BANKSOFT International

Vlaška 79 /5
10 000 Zagreb


tel.: +385 1 4664 666


Digital CoreBank

Core banking solution in SaaS-Cloud concept tailored for fully digital banks without "brick&mortar" branches. We provide fully outsourced multi-tenant, multi-language, cloud solution running on top quality fault-tollerant IT platforms in data centers provided with reliable and trusted partners. This way our clients have benefits of latest technologies and concepts merged with our extensive banking products offering, proven track record and experience with banks and other financial institutions. This includes cloud-based Web, tablet and mobile solutions for microfinance institutions as a fast growing segment of financial industry.

Pricing model for the solution can be institution-based or user-based or transaction-based or a combination of mentioned models tailored for specific needs and business goals.


Card managementCard management

With current consumer shopping culture cards significantly replaced cash and it is a must for a bank to offer debit, credit or other cards issuing to their clients. With lot of compliance and security rules in card processing business it is very important to fulfill those customer needs with optimal cost and quality. Our CardBank module ensures that bank with minimal investment provides full spectrum of cards (debit, credit, revolving, business...) for its clients ensuring shopping convenience, relationship growth and their loyalty.

  • Support for debit, revolving and credit cards, retail and corporate
  • Issuance of Maestro, MasterCard or Visa card
  • ATMs and EFTPOS devices network support, acceptance of own and others' cards
  • Easy and quick implementation, integrations to other systems, experience
  • Full control, integration with core system
  • A large set of already existing possibilities of parameterization in all elements of the product (fees, card limits, accounting, statements...)

Internet bankingInternet banking

As a foundation of non-stop availability for your clients you can use advantages of our InternetBank module. With optimal investment ensure your clients forget the stress of banking working hours and queuing in bank branches and post offices. Facilitate more transactions by offering your clients atmosphere and comfort of their office or home. They will have more free time to spend with their friends and family or do something else instead of waiting in a queue.
InternetBank solution will not only enable your bank to be always available (on-line) to your clients but it will enable you to offer wide range of secure transactions from their offices or homes. This solution also contributes to cost control, as opening of branches as well as hiring of new personnel and purchase of additional equipment will not be required while your market share will increase.   <InternetBank Product Brochure Request>


Business Process ManagementBusiness Process Management

BPMBank module for banking Business Process Management (BPM) is based on open source Activiti BPM tool and interface to core banking systems or other systems for retrieving or processing account data, transactions, credit worthiness, outstanding debts etc.  This module can be adjusted to use also other standard BPM tools that bank may prefer.
Business processes are being set up with defining initiating task and for every task it’s preceding and following task for each business segment that needs to be automated and/or documented and managed. User can independently define and change conditions for previous task completion or next task or tasks initiation within specific business process flow with possibility to set up deadlines and notifications for task completion. From the data collected during task management by various process participants, various reports can be created to show average task processing times, bottlenecks or critical tasks for specific business process, etc.

Well-defined and set up business process flow allows more or less flexibility during process performance, depending on bank’s preference, and provides easier and more transparent bank management and quality management towards banking clients as well as making business more transparent with internal, external and regulatory audits made quicker and easier.
Examples of our business modules based on BPM:

  • Loan request processing and management – for private and corporate clients
  • Collections – for private and corporate clients
  • Risk management – risk recording, risk evaluation, risk management

Any other business segment that bank wishes to cover with BPM methodology can be managed. More info on:


Decision supportDecision support

Updated and well designed relational database is ideal source for various views, reports, analysis and at the end for banking decisions. Complex programs in AnalyticBank module are analyzing data, scoring clients and their activities, showing client relationships and profitability, products or services profitability as well as generating various periodic reports. CoreBank’s integral and comprehensive concept is enabling high-quality decision support with following highlights:

• P&L calculation by branch, product and client
• Managing cash-flow
• Interest margins calculations
• Credit risk
• Consolidated reporting for international banking groups


Accounting and ReportsAccounting and Reports


Any transaction, regardless of the place of its origination, is automatically posted to the General Ledger without any additional input requirements. The CoreBank accounting module ensures transparency of all transactions at any point within the system, which is the main precondition for accurate and up-to-date balance sheets.
Double-entry accounting is applied to every booking order entering the general ledger.
General ledger and various sub-ledgers were designed to support wide spectrum of  banking services and to facilitate implementation and monitoring of profit centers, thus enabling the bank to monitor profit and loss account by its profit-generating units. At the same time, all internal reports, reports for the banking group and reports to the Central Bank can be prepared at the bank level.  Accounting module highlights:

• Input in original currencies and monitoring of transactions by different currencies
• Automated calculation of exchange rate differentials, fees and taxes
• Integrated sub-ledger and foreign exchange accounting
• High degree of up-to-date account balance and status
• Profit centers supported
• P&L by client and by banking product

Commission business activities (for others).


Integral system design enables creation of a series of reports relevant for the banking
business by AnalyticBank module. Instant availability of up to date reports regardless of transaction’s entry point makes such information available to specialists and management for timely and accurate business and decision making. Reporting system highlights:

• Full Central Bank reporting requirements (including BASEL requirements)
• Customizable access to reports
• Ability to create reports on/for any given business date
• Support for a number of standard and special reports
(review of card account balances,  trial balance, accounting entries and journals, balance sheet, income statement)
• Report generator module, enabling generating reports based on user specifications
• Strong basis for Data Warehouse (DWH) and Business Intelligence (BI) usage
• Fund Transfer Pricing (FTP) – methodology for fund transfer pricing (margin calculations, opportunity rates, regulatory expenses, etc.)
• Controlling module for Controlling department helping coping with increasing IT solution complexity in banks

                                                                                            More about central server  

Slatinska banka
Istarska kreditna banka
Splitska banka
Jadranska banka
Kreditna banka Zagreb
Veneto banka
2012 World Finance Technology Award
Bosna Bank International
BKS Bank
Croatia bank
Credo banka
Obrtničko štedna banka
Universal Capital Bank
Pasha Bank