iSentric

Industries · Financial institutions

New digital products for financial institutions, without a core rebuild

Banks, insurers, payment operators and exchanges launch digital wallets, digital money, instant payments, tokenised assets and trusted identity under their own brand.

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Financial institutions are being asked to move money faster, cheaper and across more borders, while keeping regulators close. New digital products usually mean new vendors, long projects and customers handed to someone else's network.

iSentric adds those products on top of the systems you already run, under your brand and licence, so your customers, deposits and revenue stay with you.

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Who this covers

Financial institutions we work with, and what each typically needs from us.

  • Commercial banksDigital products and instant payments without a core rebuild.
  • Islamic banksShariah-compliant digital products from day one.
  • Digital banksA full digital banking stack, live in months.
  • Insurance and takafulDigital onboarding, customer authentication and faster payouts.
  • Cooperatives and credit unionsMember wallets, financing and payments.
  • Licensed money lenders and microfinanceDigital onboarding, credit underwritten on verified payment history, and collections.
  • Payment and remittance operatorsYour own corridors, wallet payout and better FX margins.
  • Fintechs and e-walletsSettlement, digital money and identity infrastructure.
  • Exchanges and digital asset issuersIssuance, custody and trading of tokenised assets.
  • Asset and fund managersTokenised sukuk, private credit and gold, held in white-label custody.

The challenges we solve

  • Slow launches. New digital products usually mean a new core, new vendors and years of work.
  • Expensive cross-border payments. Chains of correspondent banks cost margin and take days.
  • Closer oversight. Regulators expect a real-time view of digital money and digital assets.
  • Repeated onboarding and fraud. Customers redo KYC for every product, and fraud targets every login and payment.

What we offer

Every product runs under your brand and connects to the systems you already have. Take one or combine several.

Identity & Trust

Identity and authentication, attestation, approvals, secure access and digital ID, with every check recorded so you and your regulator see the same trail.

Explore Identity & Trust

What you can do with it

  • Onboard a customer once and reuse that identity across every product.
  • Authenticate every login, payment and transaction.
  • Route high-value actions through multi-party approvals, with roles kept separate.
  • Control which staff and partners can reach sensitive systems, with every access logged.

What it solves

Repeated KYC for every product, and fraud at every login. One verified identity cuts onboarding cost and friction, and every check is recorded so you and your regulator see the same trail.

Digital Banking

A white-label digital bank or multi-currency wallet with cards and credit, running under your brand on top of the systems you already have.

Explore Digital Banking

What you can do with it

  • Launch a branded wallet or digital bank for younger, unbanked or SME customers.
  • Let customers hold and move fiat, stablecoin and CBDC in one wallet.
  • Issue virtual and physical cards through licensed issuers, in your design.
  • Offer consumer credit and Shariah financing underwritten on verified payment history.

What it solves

Launching a digital bank normally means a new core and years of work. DEOSX Digital Banking runs on top of the core you have and goes live in months, and the customers, deposits and revenue stay with you.

Digital Money

Issue stablecoins and deposit tokens backed by your balance sheet, or distribute a central bank digital currency, with reserves and redemption visible to your regulator in real time.

Explore Digital Money

What you can do with it

  • Issue a deposit token for faster corporate payments and settlement.
  • Issue a stablecoin backed by your balance sheet, with redemption built in.
  • Distribute a central bank digital currency to your customers in a two-tier model.
  • Give your regulator a live view of reserves, redemption and reporting.

What it solves

Digital money is arriving faster than most banks' systems can handle. You can issue and distribute it under your own licence, with the oversight regulators expect, instead of losing customers to someone else's network.

Payments & Settlement

Real-time domestic payments, your own remittance corridors and cross-border B2B settlement with FX, without chains of correspondent banks.

Explore Payments & Settlement

What you can do with it

  • Offer instant transfers between customers and across institutions.
  • Open your own remittance corridors and pay out straight to wallets.
  • Settle cross-border B2B payments for SME clients with FX built in.
  • Earn fee income on every transfer and conversion, with AML, sanctions and Travel Rule checks on each one.

What it solves

Cross-border payments that take days and pass through several correspondent banks. Settle in seconds, keep the FX margin, and keep remittance value onshore as bank balances.

Markets & Liquidity

Tokenise sukuk, private credit and gold, hold them in white-label custody and give clients an exchange venue and OTC liquidity.

Explore Markets & Liquidity

What you can do with it

  • Issue and distribute tokenised sukuk to your clients.
  • Offer clients tokenised gold and private credit under your brand.
  • Hold assets in institutional custody, white-labelled to you.
  • Give clients an exchange venue, and an OTC desk for larger trades.

What it solves

Bringing tokenised assets to clients usually means stitching together issuance, custody, trading and compliance from different providers. Here they work together on one foundation, under your name.

Trade & Supply Chain Finance

Digitised trade documents with delivery-versus-payment, invoices verified against the anchor buyer, and financing for suppliers at every tier.

Explore Trade & Supply Chain Finance

What you can do with it

  • Digitise trade documents and settle with delivery-versus-payment.
  • Verify supplier invoices against the anchor buyer's records.
  • Finance suppliers beyond tier one, down to the smallest.
  • Lend against digital and real-world collateral.

What it solves

Most suppliers deep in a supply chain are invisible to lenders. Verified data from the anchor buyer lets you grow SME lending with confidence, at every tier.

Islamic Finance

A Shariah layer built into every product, designed to work with your own Shariah committee.

Explore Islamic Finance

What you can do with it

  • Offer an Islamic wallet and Shariah consumer financing.
  • Issue tokenised sukuk with a Shariah layer.
  • Provide Shariah-compliant digital money, payments and supplier finance.

What it solves

Islamic products that are conventional products adapted later. The Shariah layer is built into every product from day one.

How we work with you

  1. 01

    Scope

    Agree what to launch first, with your risk, IT and compliance teams.

  2. 02

    Integrate

    Connect to the systems you already run. No core rebuild.

  3. 03

    Launch under your brand

    Go live in months, with training for your teams.

  4. 04

    Run it with you

    24/7 monitoring and support after launch.

Track record with financial institutions

Clients have included Public Bank, CIMB, AmBank, RHB, Standard Chartered, Citibank, HSBC, Sun Life, Generali and Touch 'n Go. See all past clients.

  • Public Bank

    Secure mobile banking app and mobile web, PB Engage

    2017

  • Al Rajhi Bank Malaysia

    Mobility2U Mobile Banking over SMS and J2ME

    2008

  • Kuwait Finance House Malaysia

    National Biller Payment System and FPX payments

    2017

  • Bank Islam

    SMS banking portal

    By 2019

Financial institutions FAQ

Can we launch one product first?

Yes. Take one product or the full platform, and add more later on the same foundation.

Do our customers stay ours?

Yes. Everything runs under your brand and licence.

Do we need a new core banking system?

No. iSentric adds capability on top of your existing core, channels and payment systems.

Is every product available in a Shariah version?

Yes. The Shariah layer is built into every product.

Can remittance receivers get a wallet?

Yes. Corridors support wallet payout, and receivers can get a wallet and card through Digital Banking.

Related pages

Launch your next digital product.

We will assess your requirements and outline a scoped proposal for your institution.

Talk to our team