Solutions
Solutions
One Technology Partner. Multiple Platforms. One Connected Financial Ecosystem.
- 01
Banking Solutions
Banks face a difficult technology equation.
- 02
Payments Solutions
The Transaction Engine Connecting Every Channel.
- 03
Card Processing
A card program begins long before a physical card reaches a customer.
- 04
Clearing & Settlement
Central banks and national payment operators manage technology environments where reliability is fundamental to financial stability.
- 05
Government Financial Services
Digital government is not created simply by putting existing forms online.
- 06
Enterprise Financial Solutions
Large enterprises operate financial environments involving multiple companies, banks, employees, suppliers, distributors and customers.
- 07
Digital Platforms
Customer onboarding determines the first operational relationship between an institution and its customer.
- 08
Managed Services
We launch. We stabilize. We operate. We optimize.
Banking Solutions
The Technology Foundation of Modern Banking.
Silicone One provides modular banking technology designed to connect the financial core with modern payment and digital infrastructure.
One Technology Architecture. From Core Banking to Every Transaction.
Core Banking
The Core of Every Financial Relationship.
- L1
Customer
The customer layer can manage individuals, corporate customers, relationships, segmentation, KYC integration, risk classifications and customer lifecycle information.
- L2
Account
The account layer can support current accounts, savings accounts, term deposits, corporate accounts, multi-currency accounts, restrictions, interest processing and account lifecycle management.
- L3
Lending
The lending layer can support loans, credit facilities, financing products, repayment schedules, interest, fees, limits and collateral integrations.
- L4
Financial Management
Financial management can incorporate general ledger, accounting rules, journal entries, branch accounting, multi-currency accounting, end-of-day processes, reporting and audit controls.
- L5
Product Factory
A configurable product factory allows institutions to define financial products through pricing, interest rules, fees, limits, eligibility requirements, bundles and campaigns.
Payments Solutions
Payment Orchestration
Silicone One Payment Hub creates a centralized orchestration layer.
Payments can enter through standardized interfaces, be validated, enriched and transformed, and then routed toward the appropriate infrastructure according to business and operational rules.
Payment Switching
The Transaction Engine Connecting Every Channel.
Instant Payments
Money Should Move at the Speed of the Digital Economy.
Card Processing
Cards Are an Ecosystem, Not a Piece of Plastic.
Silicone One provides centralized card technology capable of supporting this complete operational environment.
Card Management
Our technology can support debit cards, credit cards, prepaid cards, corporate cards, payroll cards, virtual cards, gift cards and multi-currency card programs.
Mastercard Program Enablement
From Card Strategy to Operational Infrastructure.
Instant Card Issuance
From Customer Approval to an Active Card in Minutes.
POS & SoftPOS
Payment Acceptance Wherever Business Happens.
Merchant Acquiring
Connecting Commerce to the Financial System.
E-Commerce Payments
Infrastructure for Digital Commerce.
ATM Infrastructure
Centralized Control Over the ATM Network.
Clearing & Settlement
Infrastructure at the Heart of the Financial System.
Central banks and national payment operators manage technology environments where reliability is fundamental to financial stability.
Real-Time Gross Settlement
Settlement When Finality Matters.
Silicone One provides RTGS technology capable of processing financial instructions between participating institutions in real time.
Automated Clearing House
High-Volume Clearing for a Digital Economy.
Payroll, recurring payments, corporate transfers, government payments, direct credits and direct debits can be processed more efficiently through centralized clearing.
Clearing & Netting
Turn Complex Financial Obligations Into Controlled Settlement.
Participant A may owe Participant B. Participant B may owe Participant C. Participant C may simultaneously owe Participant A.
Instead of processing every obligation independently, the clearing engine can calculate eligible net positions according to the rules of the ecosystem.
Reconciliation
Every Transaction Must Ultimately Balance.
- Exact matching
- Rule-based matching
- Multi-source matching
- Tolerance rules
- Exception management
- Investigation workflows
- Settlement verification
- Alerts
- Audit trails
- Reporting
Government Financial Services
From Digital Government to Digital Economy.
Silicone One provides technology designed to create a common financial infrastructure across these interactions.
The objective is to make public financial services easier to access while providing government institutions with stronger visibility, reconciliation and operational control.
One Government. One Financial Infrastructure. Multiple Services.
- 01
A citizen or business initiates a payment.
- 02
The government service identifies the obligation.
- 03
The gateway validates the transaction information.
- 04
The appropriate financial channel processes the payment.
- 05
The government system receives confirmation.
- 06
The transaction enters centralized reconciliation.
One View of Every Payment.
Silicone One provides collection technology that creates a common layer between services, financial institutions and payment channels.
Controlled Payments at Institutional Scale.
Silicone One provides centralized disbursement technology capable of validating beneficiary information, applying approval workflows, scheduling payments, processing transactions, managing exceptions and reconciling results.
Enterprise Financial Solutions
Connect Corporate Finance to the Digital Economy.
Silicone One provides enterprise financial technology designed to connect these operations.
The result is a financial architecture designed around visibility, automation and control.
Connect Billers, Banks and Payment Channels.
- 1The payer must identify an obligation.
- 2The biller must expose billing information.
- 3The financial channel must retrieve or validate that information.
- 4The transaction must be processed.
- 5The biller must receive confirmation.
- 6Settlement and reconciliation must follow.
Pay Thousands Through One Controlled Process.
Payroll is one of the most important recurring financial processes for governments and enterprises.
Digital Platforms
From Prospect to Customer Through One Digital Journey.
Digital Onboarding & eKYC
Silicone One provides configurable digital onboarding technology capable of orchestrating customer applications, identity information, documents, verification services, screening and approval workflows.
- Digital applications
- Identity capture
- Document capture
- OCR services
- eKYC
- Biometric technologies
- Liveness detection
- Screening platforms
- Risk classification
- Approval workflows
- Digital agreements
- Account opening
- Card requests
- Customer profile creation
Self-Service & Digital Branch
Digital Services Beyond the Smartphone.
Silicone One provides configurable self-service technology capable of supporting banking, government and enterprise processes.
Digital branch environments can combine self-service kiosks, assisted service, digital onboarding, instant card issuance, queue management and interactive customer experiences.
Managed Services
- We launch.
- We stabilize.
- We operate.
- We optimize.
After production launch, Silicone One can provide technical support, monitoring, maintenance, performance optimization, capacity management and managed technology services according to project requirements.