Some Features we do provide

DESCRIPTION AUTOMATED OF BVN VALIDATION SOLUTION

This solution will tie the customers’ erstwhile verified BVN printout to a unique Transaction ID for ease of retrievals, reviews and the potential elimination of paper printing. The solution interfaces with the NIBSS BVN Verification platform to validate the identity of customers before executing their transaction requests (e.g. ATM card requests, Funds transfer requests, cash withdrawals etc.). It is built specifically for banks and financial institutions to meet their compliance and reporting requirements. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck is designed to promote the convergence between customer experience and the bank’s compliance risk programme. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck is designed to promote the convergence between customer experience and the bank’s compliance risk programme.

FEATURES
  • It automatically tags each transaction using a reference number indicating that a BVN verification has been done.
  • The easy-to-use application validates BVN records against all business rules and schema.
  • Direct tagging of transactions in the Core Banking to successful verification of BVN.
  • Maintains complete transactions trails.
  • It creates records of all validation requests conducted on individual accounts and deposits the records in a database that can be accessed for convenient e-call-over actions and can be retrieved on a bank-wide level for reference.
  • Robust support for existing Business Analytics capabilities.
  • Delivers automated and improved internal control quality assurance by eliminating the risk of BVN Validation review omissions.
  • Supports existing data assessment capabilities.
  • Supports the drive for continuous monitoring of activity.
DESCRIPTION OF BVN VALIDATION SOLUTION

This solution will tie the customers’ erstwhile verified BVN printout to a unique Transaction ID for ease of retrievals, reviews and the potential elimination of paper printing. The solution interfaces with the NIBSS BVN Verification platform to validate the identity of customers before executing their transaction requests (e.g. ATM card requests, Funds transfer requests, cash withdrawals etc.). It is built specifically for banks and financial institutions to meet their compliance and reporting requirements. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck is designed to promote the convergence between customer experience and the bank’s compliance risk programme. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck is designed to promote the convergence between customer experience and the bank’s compliance risk programme.

FEATURES
  • It automatically tags each transaction using a reference number indicating that a BVN verification has been done.
  • The easy-to-use application validates BVN records against all business rules and schema.
  • Direct tagging of transactions in the Core Banking to successful verification of BVN.
  • Maintains complete transactions trails.
  • It creates records of all validation requests conducted on individual accounts and deposits the records in a database that can be accessed for convenient e-call-over actions and can be retrieved on a bank-wide level for reference.
  • Robust support for existing Business Analytics capabilities.
  • Delivers automated and improved internal control quality assurance by eliminating the risk of BVN Validation review omissions.
  • Supports existing data assessment capabilities.
  • Supports the drive for continuous monitoring of activity.
DESCRIPTION OF PNC Digital Lending Platform

A web application built on an end-to-end digital platform that provides lending services and manages the lifecycle of loan accounts on the platform.
It completely changes the way you originate loans
It is a multifunctional platform with the capacity to undertake several tasks including:

  • Verification of BVN (NIBSS),
  • Running credit score,
  • Create a customer account,
  • Loans account
  • Repayments and mandates (Paystack & Interswitch).

How our Digital Lending Platform helps your Business
Close more loans in less time

Shorter loan processing times helps you drive profitability while freeing your loan officers and other team members to spend more time acquiring customers and generating business leads

Deliver exceptional customer experiences

Make every interaction with your business feel like one continuous conversation. The platform offers flexibility across digital, branch or phone channels enabling consumers to start applications in one channel and finish in another.

Accelerate innovation

Designed to give you an excellent digital experience with a cloud-based platform built on a modular architecture that allows you to rapidly configure new product offerings and take them to market quickly.

Deepen customer relationships

Use insights from data collected from customer loan applications to design new products or generate marketing offers for other products.

Reduce Lending Costs

Reduce your operating costs by automating manual processes while shortening loan processing cycles.

Embrace the Benefits of Digital Lending

  • User-friendly experience ensures end-to-end application completion and submission, which is most critical to customer satisfaction.
  • Acts as the system of record for your loan portfolio
  • Ensures that information integrity meet regulatory and investor requirements
  • Integrate across all teams and channels to collect and transfer digital loan information.
  • Connect to secure financial data sources to verify consumer data.
  • Automate outreach to consumers who abandon applications
  • Automated notifications and let you and your borrower know when things need to be taken care of.
  • Notifications are sent via both SMS text and email. Messages can even be customized.
  • Easy document upload with drag and drop capability for quick upload of multiple documents.
  • Review and decide whether you want to accept uploaded documents.
  • Send additional document requests on the fly.

DESCRIPTION OF AUTOMATED BVN VALIDATION SOLUTION

This solution will tie the customers’ erstwhile verified BVN printout to a unique Transaction ID for ease of retrievals, reviews and the potential elimination of paper printing. The solution interfaces with the NIBSS BVN Verification platform to validate the identity of customers before executing their transaction requests (e.g. ATM card requests, Funds transfer requests, cash withdrawals etc.). It is built specifically for banks and financial institutions to meet their compliance and reporting requirements. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck is designed to promote the convergence between customer experience and the bank’s compliance risk programme. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck is designed to promote the convergence between customer experience and the bank’s compliance risk programme.

FEATURES
  • It automatically tags each transaction using a reference number indicating that a BVN verification has been done.
  • The easy-to-use application validates BVN records against all business rules and schema.
  • Direct tagging of transactions in the Core Banking to successful verification of BVN.
  • Maintains complete transactions trails.
  • It creates records of all validation requests conducted on individual accounts and deposits the records in a database that can be accessed for convenient e-call-over actions and can be retrieved on a bank-wide level for reference.
  • Robust support for existing Business Analytics capabilities.
  • Delivers automated and improved internal control quality assurance by eliminating the risk of BVN Validation review omissions.
  • Supports existing data assessment capabilities.
  • Supports the drive for continuous monitoring of activity.

DESCRIPTION OF CHANNELS MANAGER SOLUTION

In the increasingly cashless transactions environment, financial institutions need to simultaneously keep pace with meeting customer expectations for a speedy response to the resolution of channels-fail issues.

Sustaining the health and performance of the ATM fleet and swift dispute resolution are key concerns for financial institutions.

ATMs channel quality is strongly linked to financial institutions’ positive customer satisfaction index.

The cornerstone of a robust operations framework is an efficient Channels Management solution to enhance financial institutions’ capacity for accelerated troubleshooting and research of transaction chargebacks, bottlenecks and failures.

It provides a centralized view of real-time customer transaction data gathered from disparate customer locations. Data can be customized to address the needs of stakeholders in the institutions on a granular level across senior management and business process teams.

INTRODUCING CHANNELS MANAGER

Channels Manager is a comprehensive solution to monitor and manage ATMs; it offers robust transaction analytics, availability monitoring, remote management, and incident management in a single integrated solution.

It is built for continuous monitoring of customer service level performance at the transaction level from proactive fault management before they impact customer transactions and overall service levels

The suite includes (ChannelsManager – Claims and ChannelsManager – JPS), distributed ATM Monitoring platform to ensure minimal downtime in service delivery (ChannelsManager – ATM) and reconciliation & settlement of transactions (ChannelsManager – Recon).

It will help financial institutions to proactively manage multi-vendor ATM fleets by providing real-time monitoring dashboards and monitoring tools to maximise the business goals of higher availability, operational efficiency and customer satisfaction.

Importantly, Channels Manager will enable financial institutions to fully comply with CBN’s regulations on transaction dispute resolution and secure the archive of sensitive transaction journal records.

Quick view of the Channels Manager Solution
  • Built to enhance accelerate cash dispense dispute resolution.
  • Empowers the bank to undertake real-time transaction monitoring, analytics and data feed solutions.
  • Comprehensive monitoring of the bank’s ATM resources and sending alerts where services are down or disrupted for immediate response/rectification.
  • Performs reconciliation and settlement of channel transactions
  • User footage and i-journals from various ATMs to a central repository to alleviate the complications of channels dispute resolution
  • Offers improved the data quality and efficient exception management and system-to-system transaction reconciliation processes.
DESCRIPTION OF PNC Digital Lending Platform

A web application built on an end-to-end digital platform that provides lending services and manages the lifecycle of loan accounts on the platform.
It completely changes the way you originate loans
It is a multifunctional platform with the capacity to undertake several tasks including:

  • Verification of BVN (NIBSS),
  • Running credit score,
  • Create a customer account,
  • Loans account
  • Repayments and mandates (Paystack & Interswitch).

How our Digital Lending Platform helps your Business
Close more loans in less time

Shorter loan processing times helps you drive profitability while freeing your loan officers and other team members to spend more time acquiring customers and generating business leads

Deliver exceptional customer experiences

Make every interaction with your business feel like one continuous conversation. The platform offers flexibility across digital, branch or phone channels enabling consumers to start applications in one channel and finish in another.

Accelerate innovation

Designed to give you an excellent digital experience with a cloud-based platform built on a modular architecture that allows you to rapidly configure new product offerings and take them to market quickly.

Deepen customer relationships

Use insights from data collected from customer loan applications to design new products or generate marketing offers for other products.

Reduce Lending Costs

Reduce your operating costs by automating manual processes while shortening loan processing cycles.

Embrace the Benefits of Digital Lending

  • User-friendly experience ensures end-to-end application completion and submission, which is most critical to customer satisfaction.
  • Acts as the system of record for your loan portfolio
  • Ensures that information integrity meet regulatory and investor requirements
  • Integrate across all teams and channels to collect and transfer digital loan information.
  • Connect to secure financial data sources to verify consumer data.
  • Automate outreach to consumers who abandon applications
  • Automated notifications and let you and your borrower know when things need to be taken care of.
  • Notifications are sent via both SMS text and email. Messages can even be customized.
  • Easy document upload with drag and drop capability for quick upload of multiple documents.
  • Review and decide whether you want to accept uploaded documents.
  • Send additional document requests on the fly.

DESCRIPTION OF AUTOMATED BVN VALIDATION SOLUTION

This solution will tie the customers’ erstwhile verified BVN printout to a unique Transaction ID for ease of retrievals, reviews and the potential elimination of paper printing. The solution interfaces with the NIBSS BVN Verification platform to validate the identity of customers before executing their transaction requests (e.g. ATM card requests, Funds transfer requests, cash withdrawals etc.). It is built specifically for banks and financial institutions to meet their compliance and reporting requirements. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck designed to promote the convergence between customer experience and the bank’s compliance risk programme. BVN objectives of standardising the efficiency of banking operations and effective management of identity fraud. The Automated BVN Validation Solution - ProCheck designed to promote the convergence between customer experience and the bank’s compliance risk programme.

FEATURES
  • It automatically tags each transaction using a reference number indicating that a BVN verification has been done.
  • The easy-to-use application validates BVN records against all business rules and schema.
  • Direct tagging of transactions in the Core Banking to successful verification of BVN.
  • Maintains complete transactions trails.
  • It creates records of all validation requests conducted on individual accounts and deposits the records in a database that can be accessed for convenient e-call-over actions and can be retrieved on a bank-wide level for reference.
  • Robust support for existing Business Analytics capabilities.
  • Delivers automated and improved internal control quality assurance by eliminating the risk of BVN Validation review omissions.
  • Supports existing data assessment capabilities.
  • Supports the drive for continuous monitoring of activity.

DESCRIPTION OF PNC Digital Lending Platform

A web application built on an end-to-end digital platform that provides lending services and manages the lifecycle of loan accounts on the platform.
It completely changes the way you originate loans
It is a multifunctional platform with the capacity to undertake several tasks including:

  • Verification of BVN (NIBSS),
  • Running credit score,
  • Create a customer account,
  • Loans account
  • Repayments and mandates (Paystack & Interswitch).

How our Digital Lending Platform helps your Business
Close more loans in less time

Shorter loan processing times helps you drive profitability while freeing your loan officers and other team members to spend more time acquiring customers and generating business leads

Deliver exceptional customer experiences

Make every interaction with your business feel like one continuous conversation. The platform offers flexibility across digital, branch or phone channels enabling consumers to start applications in one channel and finish in another.

Accelerate innovation

Designed to give you an excellent digital experience with a cloud-based platform built on a modular architecture that allows you to rapidly configure new product offerings and take them to market quickly.

Deepen customer relationships

Use insights from data collected from customer loan applications to design new products or generate marketing offers for other products.

Reduce Lending Costs

Reduce your operating costs by automating manual processes while shortening loan processing cycles.

Embrace the Benefits of Digital Lending

  • User-friendly experience ensures end-to-end application completion and submission, which is most critical to customer satisfaction.
  • Acts as the system of record for your loan portfolio
  • Ensures that information integrity meet regulatory and investor requirements
  • Integrate across all teams and channels to collect and transfer digital loan information.
  • Connect to secure financial data sources to verify consumer data.
  • Automate outreach to consumers who abandon applications
  • Automated notifications and let you and your borrower know when things need to be taken care of.
  • Notifications are sent via both SMS text and email. Messages can even be customized.
  • Easy document upload with drag and drop capability for quick upload of multiple documents.
  • Review and decide whether you want to accept uploaded documents.
  • Send additional document requests on the fly.

Sopra Core Banking Solution


PNC is the sole distributor and reseller of SOPRA Banking Software in Nigeria.

SOPRA is a global leader in banking & financing software. It is an API-first comprehensive banking solution, available as custom or ready-to-use; a fully open, secure, and high-performance core banking software to run any type of bank giving you assurance and control over your banking operations in regulated markets, unlock new business opportunities, and embrace challenges in a quickly changing market.

End-to-end; a modern solution with well structured and fully integrated modules for retail, business and corporate banking. Bundled with the Sopra Digital Experience Platform, DxP, it brings together the robustness of a proven and integrated core banking system and the flexibility of a digital technology platform in one real-time, secure, and future-proof solution.

Sopra Core Banking helps our clients differentiate themselves from competitors, launch products and services faster and compose their operations based on their needs.

Our current offering provides a broad range of capabilities and even has the ‘highest number of modules/components with emphasis placed on the system’s architecture and openness.

Overall, Sopra Core Banking is sound and ready to tackle future business and current customer needs because it is built to help clients differentiate themselves from competitors, launch products and services faster and compose their operations based on their needs with planned functional, technological, and architectural enhancements for the Platform.

We pride ourselves on ensuring that maintenance and total cost of ownership are under control by bringing clients close to the standard product evolution in a way that boosts performance.

It is a multifunctional platform with the capacity to undertake several tasks including:

We listen and engage with clients and their ecosystems to enable digital transformation in a rapidly changing environment. Over 800 customers in 70 countries can testify to this.

Sopra Remittance Solution

Remittance Solution- Send money across borders without hassle & in a shorter time

Support diaspora customers with easy and cost-effective remittance

Our Sopra Remittance Software is a faster and more secure digital solution with an attractive remittance value proposition to local and diaspora customers in today’s Nigerian market with a waning cultural preference for cash.

It is a single platform using open banking technology to help customers manage seamless remittance transactions between their overseas and local accounts.

It shortens the remittance journey by eliminating the conventionally long process involving multiple intermediaries while transitioning financial institutions from a structure of shared fees to full ownership of remittance fees.

By relying on SBS’s Open Banking Platform the banks can bypass SWIFT/ specific cross border solutions.

Remittance Solution- Send money across borders without hassle & in a shorter time

Support diaspora customers with easy and cost-effective remittance

Our Sopra Remittance Software is a faster and more secure digital solution with an attractive remittance value proposition to local and diaspora customers in today’s Nigerian market with a waning cultural preference for cash.

It is a single platform using open banking technology to help customers manage seamless remittance transactions between their overseas and local accounts.

It shortens the remittance journey by eliminating the conventionally long process involving multiple intermediaries while transitioning financial institutions from a structure of shared fees to full ownership of remittance fees.

Our API-First Approach; Digital ready solution ensures seamless integration with existing Core Banking Solutions and offers

  • Boost in revenues and access to foreign exchange reserves
  • Lower cost transaction costs
  • Safe, secure, faster execution of international transfers
  • Diaspora customers the ability to send money from a wide reach of almost 3500 Banks in Europe and the United Kingdom relying on Open banking licence provided by Sopra Banking Software partners in the EU.
  • Increase volume of diaspora customers
  • Technology from a world-leading financial services software company.

The role of key Open Banking features in Sopra Solution

Account aggregation &Position overview

Customers can Aggregate diaspora accounts to their Nigerian mobile banking app and get access to a broad range of account data and quality, real-time financial information from banks and financial institutions across Europe.

Budget management & insights

Build smart, intuitive Personal Finance Management applications that give your customers tools and personalized insights to better manage their finances

Payment initiation

Allows customers to safely initiate payments and transfers from their accounts – from their bank’s app or website.

Data Categorization

Transform raw, unfiltered financial data into valuable information. We categorize transactions and provide insights for delivering better data-driven services.



Sopra Remittance Solution

The Sopra Lending Solution is a digital-first, API-ready core banking agnostic platform built to transform banks’ loan management cycle.

Cover the full lending lifecycle solution from origination to servicing and collection with Sopra Lending Solution

  1. Loan Origination
  2. Loan Servicing
  3. Collection Management
Whole loan cycle Highly flexible Lower your Risk
From origination, to commitment, servicing, payoff & collections High-volume products & structured big tickets With fast, integrated & configurable scoring for retail & commercial finance. Link to external sources with ease.


Cover your full range of lending products

Individuals Businesses
  • PERSONAL LOANS
  • MORTGAGE LOANS
  • REVOLVING CREDITS
  • SUBSIDIZED LOANS
  • SYNDICATED LOANS
  • COMMERCIAL LOANS
  • INVESTMENT LOANS
  • COMMITMENT LOANS
  • CASH CREDITS

The Sopra Loan Solution is effective and highly scalable solution built for very high volumes handling and totally adapted to mutualized loan portfolio servicing for multiple credit business lines and/or multiple banks

It has real time automatic controls, dynamic GUI only providing necessary data, possible simulations on financial updates and available to do list.

A specialized credit management tool with very powerful calculation engine, able to manage any kind of loans:

  • Fixed, variable, reviewable rate
  • Multi-disbursements
  • Total or partial grace period
  • Redemption with several possible phases
  • Multi-types of redemption: constant, progressive, degressive, bullet.
  • Multi-types of frequencies: periodical, seasonal, on demand.
  • Multiple elements in the instalment amount: principal, interest, insurances premiums, fees
  • Late interests and penalties calculation.

Our Clients