01
A connected customer view
Bring profiles, accounts, transactions, contacts and benefits into the customer relationship view, subject to staff permissions.
Core Banking Suites
Retail Bank Suite
Core banking for retail and savings banks serving individuals and sole proprietors.
Built on BX-CBP, the suite connects customer and transaction records across the bank’s retail operations. Customer Mobile App and Internet Banking are optional, allowing the bank to retain its existing channels.
03 · Value
Bring the customer relationship together
02
Product changes with control
Define supported conditions, rates and fees in BX-PF and simulate changes before release.
03
Consistent account servicing
Use common customer, transaction and accounting services across the connected channels in your implementation.
04
Benefits alongside banking
Manage preferential rates, points, coupons and cashback through defined benefit rules and records.
Explore detailed functions
Function availability, interfaces and implementation scope are confirmed for the selected product version and institution. External services, local network connections and additional development are agreed separately.
6 business areas · 3 supporting areas
Retail business capabilities
01Customer management
10
Party onboarding
Onboards individuals, sole proprietors, corporations, corporate entities, associations and correspondent banks, each with its required identification and documents.
Single customer view
One record shows a customer’s deposit, loan and FX balances, transactions, contacts and benefits on one screen.
Customer lifecycle
Create, change, query, verify and terminate customer records through the same services from any channel.
Customer classification and rating
Classifies customers by segment and holds a rating that pricing, limits and approval rules can reference.
KYC and real-name verification with AML risk rating
Real-name verification and KYC at onboarding and on change, with an AML risk rating driving transaction restrictions and approvals.
Multi-channel contact management
Contact points are routed per service with change history, so notifications reach the address the customer chose.
Consent, authorisation and data governance
Records the consents and authorisations a customer has given and applies them when data is used or shared.
Multiple roles per party
One party holds Customer, Business Partner and Employee roles at once without duplicate records.
Blacklist and contact-block management
Blocks onboarding or contact for listed parties, with the reason and period recorded.
Role-based differentiated views
Staff see the customer fields and actions their role permits.
02Deposits and savings
8
Open, close and early termination
Opens, closes and terminates accounts early, applying the product’s early-termination interest and fee rules.
Deposit, withdrawal, cash handling and interest payment
Posts deposits and withdrawals, handles counter cash, and pays interest on the product’s schedule.
Account maintenance, inter-branch transfer, dormant accounts and restrictions
Maintains attributes, transfers accounts between branches, sets inactive accounts dormant, and applies holds and freezes.
Time, demand and installment product maintenance
Runs time deposits, demand accounts and installment savings on the same services, with conditions held in the product.
Interest accrual with simulation and rate composition
Accrues interest daily, simulates it before a transaction, and composes the rate from a base plus preferential components.
Multi-dimensional balances
Keeps available, actual and frozen balances separately, so holds and pending items never alter the ledger balance.
Certificates and statements
Issues deposit certificates, balance certificates, withholding-tax certificates and account statements.
Maturity processing and auto-rollover
Processes maturities and rolls over time deposits automatically under the account’s instruction.
03Consumer lending
5
Loan lifecycle from application to disbursement
Application, approval, disbursement, repayment and closure run on one loan record.
Mortgage and home loans
Property-secured lending with the collateral recorded against the loan.
Collateral and certificate-pledge loans
Loans secured by collateral or by a pledged deposit certificate held at the bank. Collateral management is optional.
Guarantee-backed loans
Loans supported by a third-party guarantee, with the guarantee recorded and tracked.
Posting to the general ledger
Disbursements, repayments, interest and fees post to accounting under journal-entry rules.
04Card-related services
2
Card services depend on integration with external card management and issuing systems.
External card management integration
Connect core accounts and transactions to the bank’s external card management system through agreed interfaces.
External card issuing integration
Connect with the bank’s external issuing system for the agreed card-service workflows.
05Payments and transfers
6
Transfers
Support immediate, standing-order and scheduled transfers, with external interfaces and batch-linked processing defined for the implementation.
Scheduled and standing-order processing
Execute scheduled transfers and standing orders through configured processing, including Center-Cut services where used. Timing and external interfaces are defined for the implementation.
Purpose-issued virtual accounts
Issues virtual account numbers per purpose, such as a collection or merchant, routing funds to the underlying account.
Self-service transfer limits
Customers set their own limits by channel and transfer type within the bank’s ceilings.
Transaction notifications
Provide transaction notifications through the agreed channels.
Posting to accounting
Post payment transactions to accounting under the applicable journal-entry and processing rules.
06Customer benefits
5
Benefit determination and granting
Determines and grants rate discounts, points, coupons, cashback and gifts under configured conditions.
Benefit records
Maintain benefit records under configured rules.
Candidate-benefit self-selection
Customers add, remove, edit and query the candidate benefits offered to them.
Coupon marketing
Coupons from partners and suppliers are applied, redeemed and tracked through partner integration.
Performance-driven preferential pricing
Preferential rates by balance tier, taking the maximum of the tiers a customer qualifies for.
Shared supporting capabilities
07Product management
6
Product launch and maintenance by business staff
Business staff launch and maintain products in the Configurator within supported configuration.
Rate, fee and condition configuration with pre-launch simulation
Rates, fees and conditions are configured per product and simulated before launch, independent of any account.
Multi-channel deployment
Release supported product definitions to agreed channels, with changes tracked and validated before release.
Multi-view classification
The same product is classified from risk, compliance, seller, buyer and finance views.
Product catalogue
Maintain a product catalogue for the agreed comparison and management scope. AI-assisted entry is included only where supported in the selected product version.
Unified fee management with what-if simulation
Fees are managed in one place and simulated for what-if cases before a change goes live.
08Accounting and general ledger
10
Real-time and deferred posting
Transactions post in real time; items awaiting a later event post on a deferred basis.
General ledger and chart of accounts
A multi-entity, multi-level chart of accounts with parent-child aggregation.
Journal-entry rules
Rules on product, amount type and account generate journal entries, within the supported posting model.
Manual journal entries and financial statements
Authorised staff post manual entries; financial statements are produced from the ledger.
Balance reconciliation
Reconciles the business ledger, off-balance items and the general ledger and reports differences.
Settlement process control
Each settlement step is validated, its status tracked, and a failed step can be re-executed.
Off-balance transactions and inter-branch clearing
Records off-balance transactions and clears positions between branches.
Suspense-account management
Parks unmatched items in suspense accounts and tracks them to clearance.
Business open and day-end close with pre-close validation
Opens the business day, validates outstanding items before close, and closes the day.
Accounting services
Support cash, general ledger, journal, manual entry, balance verification, internal accounts and inter-branch accounts within the agreed accounting scope.
09Operations and common services
8
Maker-Checker approval
Support maker-checker approval through configured approval levels and rules.
Task monitoring
Asynchronous tasks are monitored, rejection reasons tracked, and rejected items resubmitted.
Document generation and issuance
Generates statements, contracts and certificates, and records inbound documents.
Numbering and sequence generation
Generate account, contract and document numbers through configured numbering rules.
Business-day and holiday calendar
Use business-day and holiday calendars for configured value dates, maturities and processing schedules.
Transaction restrictions
Restrictions by Actor, Customer or Contract, applied per channel.
Notification, multi-language and common codes
Support notification content, multiple languages and shared common codes within the agreed configuration.
Organisation, employee and permission management
Manage organisation units, employees and role-based permissions.
Channel integration
Agency servicing is included. Enable account opening, deposits and withdrawals through agent banking, with an agent app available. Customer Mobile App and Internet Banking are available as options, and the suite can also connect to the bank’s existing channels.
06 · Evidence
Delivery experience in savings banking
OK Savings Bank, South Korea
A next-generation core for savings banking
Historical delivery reference
Bankware delivered a next-generation core under the former BX-RBS name using BX-CBP, BX-PF and related platforms.
Woori Financial Savings Bank, South Korea
Retail Bank Suite
Case material references the Retail Bank Suite offering at Woori Financial Savings Bank.
Contact Sales
Discuss your retail banking priorities
Tell us about your deposit and lending products, customer service channels, benefit programmes and existing systems. We can help define the relevant core and integration scope.