Solution
Enterprise Omnichannel Banking Platform
Synergy's Omnichannel Banking Platform provides a complete digital engagement layer above the core banking system, bringing digital channels, customer onboarding, payments, lending, deposits, administration and workflow automation into one unified solution.
- Retail Banking
- SME Banking
- Corporate Banking
One connected platform
The digital layer between your customers and your core
Synergy's Omnichannel Banking Platform provides a complete digital engagement layer above the core banking system, connecting digital channels, banking services and core systems in one unified solution.
Customers & Employees
- Retail Customers
- SME Customers
- Corporate Customers
- Bank Employees
Synergy Omnichannel Banking Platform
Core Banking & External Systems
- Oracle Flexcube
- Other Core Banking System
- External Systems
- Payment Gateway
- Card System
Digital channels
One experience across every channel
Deliver a consistent banking experience through native iOS, Android and HarmonyOS applications, responsive web banking and employee portals. Customers can begin a journey on one channel and continue seamlessly on another.
Responsive Web
Banking experiences optimized across desktop and browser environments.
Native Mobile
Native applications for iOS, Android and HarmonyOS.
Employee Portals
Dedicated digital channels supporting customer service and banking operations.
Cross-channel Continuity
Customers can move between channels without losing context or progress.
Universal AI Banking Assistant
Banking that understands your customers
Synergy’s Universal AI Banking Assistant brings conversational banking directly into the platform, enabling customers to perform everyday banking operations using natural language.
Customers simply type or speak their intention. The assistant understands the request, retrieves the required information, prepares the banking operation and presents it for secure authorization.
Digital onboarding
From registration to active customer
Enable fully digital onboarding for individuals and legal entities through integrated identity verification, document processing, biometrics, video identification, electronic signatures and automated KYC and AML workflows.
- 01
Register
Customer registration
- 02
Verify
Identity verificationDocument captureBiometric verificationVideo identification
- 03
Validate
KYC workflowAML verificationOCR processingDocument validation
- 04
Sign
Electronic signature integration
- 05
Activate
Account openingProduct enrollment
Banking capabilities
From everyday payments to complex corporate workflows
Support retail, SME and corporate customers with integrated capabilities covering everyday banking, payments and complex business workflows.
Support the complete payment lifecycle, from domestic and international transfers to instant payments, recurring transactions, FX and bulk processing.
Transfers
Domestic, International, SEPA, Instant, P2P, Internal
Recurring & Scheduled
Standing Orders, Direct Debits, Scheduled Payments
Corporate & Bulk
Bulk Payments, Salary Payments
Additional Services
FX, Payment Templates, QR Payments, Bill Payments, Card Management
Support complex corporate banking operations with flexible approval workflows, user hierarchies and transaction controls designed for modern business customers.
Approval & Control
Maker-checker, multi-level approvals, transaction authorization
Users & Permissions
User hierarchies, roles and access rights
Limits & Administration
Transaction limits, corporate administration
Bulk & Multi-company
Bulk file uploads, multi-company management
Extend the digital banking experience with integrated capabilities across lending, deposits, administration, workflow automation and investment services.
Lending
Digital lending journeys and loan servicing
Deposits
Deposit products and account management
Administration
Centralized platform and user administration
Workflow Automation
Configurable processes and approval workflows
Investments & Trading
Digital access to investment and trading services
Security by design
Security built into every interaction
Protect customers and financial institutions through integrated authentication, transaction authorization, device protection, fraud prevention and continuous security monitoring.
Authenticate
SCA, MFA, Biometrics, Device Registration, KYC
Authorize
Software Token, OTP, Secure Transaction Signing
Protect
Device Protection, Fraud Prevention, Encryption, Audit Trails, Security Monitoring
Software token
Secure authentication without additional devices
Fully integrated into the platform, Synergy’s Software Token transforms customers’ smartphones into trusted authentication devices for secure login, transaction signing and Strong Customer Authentication.
Open banking & integration
Built to connect
The platform integrates with Oracle Flexcube and other core banking systems through modern APIs and service interfaces, enabling rapid integration with payment gateways, fintech solutions, CRM platforms, identity providers and external banking services.
Core Banking Systems
- Oracle FlexcubeCore Banking System
- Card SystemCard issuing and management
- Payment GatewaysPayment Services
- Loyalty ProgramsRewards, points and loyalty services
Synergy Omnichannel Banking Platform
External Ecosystem
- CRM PlatformsCustomer Management
- Open BankingOpen API connectivity to third-party financial services
- Identity ProvidersIdentity & Authentication
- Fintech SolutionsExternal Financial Services
- External Banking ServicesThird-party Banking Services
Modular architecture
Built for continuous innovation
A layered architecture separates digital channels, business services, orchestration and integration components, allowing banks to introduce new services independently without disrupting core banking operations.
Digital Channels
Web, iOS, Android, HarmonyOS, Employee Portals
Business Services
- Onboarding
- Payments
- Lending
- Deposits
- Cards
- Corporate Banking
Orchestration & Workflows
API & Integration Layer
Core Banking & External Systems
- Oracle Flexcube
- Other Core Banking System
- External Systems
Business benefits
Designed to deliver measurable results
Accelerate Growth
Digital transformation & customer acquisition
Improve Efficiency
Lower operational costs & straight-through processing
Increase Agility
Faster product launches & future-ready digital banking
Simplify Operations
Better customer experiences & regulatory compliance
Ready to evolve your digital banking experience?
Talk to our experts about your requirements, timeline and technology options.