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Digital Banking & Channels
Run deposits, loans, and customer services on one modular, always-on core banking platform.
Deposits, loans, and customer services in one system
Modular, scalable, and API-ready
Real-time disaster recovery and automated EOD/BOD
Banks today must run a stable, secure, and always-available core system while launching new products and digital channels quickly. OJK Regulation No. 11/POJK.03/2022 on the Implementation of Information Technology by Commercial Banks requires banks to manage technology risk, protect customer data, and maintain disaster recovery plans to ensure operational continuity. Yet many banks still depend on rigid, heavily customized legacy cores that are slow to change, costly to maintain, and hard to connect with modern channels.
HBM’s Core Banking System is a modular, microservices-based platform that handles customer onboarding, deposits, loans, general ledger, and end-of-day processing in one parameter-driven system. Built with maker-checker controls, role-based access, a full audit trail, and real-time disaster recovery, it helps banks keep operations running around the clock while connecting easily with digital channels, payment switches, credit bureaus, and AML screening tools.
Configure products, interest rates, fees, and templates without heavy customization.
Handle retail and corporate onboarding, account lifecycle, and document management in one place.
Schedule a live demo or discuss your core banking needs with the HBM team.
Connects ATM, mobile, internet, and WhatsApp banking
Manage savings, current, and term deposits plus the full loan lifecycle from origination to closure.
Maintain a real-time general ledger with automated EOD/BOD and rule-based NPA management.
Enforce four-eye approval, role-based access, and multi-factor authentication.
Generate regulatory, ALM, and management reports with a built-in ad-hoc report builder.
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