We provides solution

for banks to deliver holistic financial transaction solution from corporate, business, SME and retail customers.


Bank Solution Segment

Financial Supply Chain Management

SGO Financial Supply Chain Solution provides a platform for banks to deliver an integrated solution between business structures, business processes, financing schemes and payment channels to optimize customers’ working capital and funding with measurable risks.

Anti Money Laundering Solution

CORAL iSEM is a state-of-the-art fully parameterized workflow that provides Anti-Money Laundering (AML) and Anti-Terrorism Financing (ATF) solutions that support financial institutions to comply with AML/ATF regulatory requirements.

SMS Banking, SMS Alert and SMS Broadcast

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.

Virtual Account and Online Collection System

Improve your business and corporation in a collective process: upload, monitor, and reconcile with ease. Simultaneously, VA integrates business and financial transactions.

Digital Banking for Retail

A platform for retail banking to digitalize end-to-end banking activities from account opening, KYC, transactions, fund management, card management and payment. The customer will receive a full 360 degrees account profile and access to manage it within the apps.

Digital Banking for Corporations

Extend corporate banking services to a web-based and mobile based channel, to allow banks to operate cost effectively, improving branch-less corporate customer banking access, monitoring liquidity, and gaining real-time financial control.

Technology and Open API

It allows SGO’s platform to be integrated with all other applications such as internal core banking or surrounding apps, or customer’s apps such as ERP, e-commerce, etc.

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Authentication and Authorization Platform

Secure your platform using adaptive two-factor authentication with multiple channels.

Electronic Money

An end-to-end electronic money system that covers account generation, add value, transfers, payments, refunds and sub-ledgers, with the capability to connect to national banks channels.

Branchless Banking System

Bank touch points need to reach rural areas and cash-restricted societies. With the Branchless Banking System (BBS), also known as “Laku Pandai”, banking services are extended through agents partnering with SALDOMU.

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