Digital Financial Solutions powered by Panamax

Panamax has developed some advanced financial solutions to leverage the massive growth of the mobile technology. Our fraud resistant and scalable solutions, designed to automate various financial and banking activities, empower financial institutions, retailers, telecom operators, service providers and more to expand their business opportunities. Under the Fintech portfolio, Panamax offers Digital Financial Solutions and Customer Value Management

Core Banking System

The Core Banking System by Panamax transforms the banking functions for the BFSI industry through its cloud-native, regulatory-compliant, and real-time decision-making capabilities. The platform addresses a variety of banking functionalities like retail, corporate, wealth, and payments enabling the banks and FIs to drive customer loyalty. Be future-ready with an agile, interconnected, and efficient banking model and create a cloud-enabled financial ecosystem for the end users.

• Secured browser-based multi-channel integrated banking solution

• Assured compliance with central banks and government regulations

• Cost-effective delivery mechanism

• Integrated additional delivery channels like SMS Banking, Net Banking, Mobile Banking, Payment Gateways, PoS, IVRS, Settlement Systems, Handhelds, Kiosk, Third-party interface integration and 24/7 banking

• Addressing key security concerns like secure authentication, multi-level authorization and data encryption

Agency Banking (Branchless banking)

Panamax’s Agency Banking Solution helps banks and financial institutions to avoid expenditure on physical branches by creating a well-established agent network to serve rural and unbanked population. The platform allows multiple agent registrations with easy to operate interface. Our agency banking platform can manage cash handling, marketing, branding, operating services, license and regulatory compliances for services. KEY FEATURES • New Account Opening • Cash-in/Cash-out • Funds Transfer • Recharges and Bill Payment • Loan Application • Debit/Credit Card Issuance • Supports multiple PoS devices

WhatsApp Banking

Make banking as easy for your customers as chatting with a friend through WhatsApp messaging platform available 24*7. Panamax makes most prominent banking services available over WhatsApp and lets you interact with your customers on the go. WhatsApp banking lets you deliver exceptional customer engagement, quick services while maintaining high-end security. KEY FEATURES • Alerts, Messages and Notifications • Chats with the bank • Pre-approved loans Enquiry • Mini Statements • Debit/Credit Card Details • Fixed Deposits • Balance and Reward Points Enquiry • Funds transfer • Bill Payments • Cheque Book Requests • Product Information • Branch Locator • Card Blocking for Fraud Prevention

Billing & Revenue management solutions

Panamax - BillCall BillCall is a robust telecom billing solution for prepaid & postpaid roaming, voice & SMS interconnect services, rate & policy management, deal & dispute management and order management among other features. It provides a complete suite of reconciliation and settlement features for mediation, origination, termination, roaming and transit traffic. The solution has the capability to leverage existing infrastructure to deliver new and enhanced services and can easily be integrated with a wide range of third party software and solutions such as telecommunication switches, accounting software and CRM. • Complete suite of reconciliation and settlement features • Modular architecture for various interfaces to external systems • Efficiently handles operational problems • Increases productivity & reduces impact on telecom resources

Panamax Revenue Assurance (Detect. Verify. Protect)

Revenue Assurance is a business process to identify, measure & prevent the risk point of revenue leakage – the difference between expected revenue and actual revenue to assure minimum opportunity loss. The billing solution is a data quality and process improvement method that improves profits, enhances financial performance, revenues and cash flows without influencing demand. It can cut down the amount of money lost due to faulty billing software, redundantly provided services and frauds. Revenue assurance is a billing system for telecom companies that removes inconsistencies in billing process for optimum accuracy. • Offers business insights and intelligence • Determination of usage data flows • Accuracy of end-to-end billing chain • Data reconciliation and TAP-in with billing data