Retail & Corporate Banking
Complete retail banking suite plus corporate accounts, cash management services, trade finance, treasury operations, and correspondent banking.
Market Segment
Commercial Banks
Core banking, corporate lending, treasury workflows, risk controls, branch operations, and regulatory reporting for commercial banks.
Growth Capacity
Availability Planning
Multi-Branch Architecture
Multi-Currency Support
IFRS 9 Compliance
Basel III Ready
Enterprise Banking
Built for Commercial Bank Operations
SelamNow supports commercial banking teams that need retail and corporate accounts, lending, treasury workflows, multi-branch operations, regulatory reporting, and audit evidence on one operating base.
Corporate Lending
Large corporate loans, syndicated lending, project finance, working capital facilities, overdrafts, and letters of credit with multi-tier approval workflows.
Trade Finance
Proposed integration scope: Letters of credit (LC), bank guarantees, documentary collections, import/export financing, and SWIFT messaging integration. Provider access, agreements, certification, and institution approval are required; no live connection is claimed.
Treasury & FX
Foreign exchange dealing, money market operations, inter-bank placements, securities trading, and real-time position management.
Risk Management
Credit risk assessment, market risk monitoring, operational risk controls, concentration limits, and Basel III capital adequacy calculations.
Security & Fraud Prevention
Multi-factor authentication, transaction monitoring, AML/CFT screening, fraud detection algorithms, and suspicious activity reporting.
Digital Banking Channels
Internet banking, mobile banking apps, USSD banking, agent banking, ATM/POS integration, and card management systems.
Payment Systems
Real-time gross settlement (RTGS), automated clearing house (ACH), instant payments, mobile money, and inter-bank transfers.
Business Intelligence
Executive dashboards, customer segmentation, profitability analysis, predictive analytics, and data-driven decision support.
Enterprise Capabilities
Commercial Banking Capabilities
Growth Capacity
Add customers, products, branches, channels, and reporting workloads without changing the core operating model.
Availability Planning
Assess availability, failover, recovery, and continuity requirements for the selected deployment. Service levels require agreed terms and validation.
Multi-Branch Architecture
Centralized core with distributed branches, real-time transaction processing, inter-branch transfers, and consolidated reporting.
Multi-Currency Support
ETB plus USD, EUR, GBP, and other major currencies with automated FX conversions, revaluation, and multi-currency accounting.
IFRS 9 Compliance
Expected credit loss (ECL) calculations, impairment provisioning, stage classification, and complete financial reporting compliance.
Basel III Ready
Capital adequacy calculations, risk-weighted assets, liquidity coverage ratio (LCR), and regulatory capital reporting.
Integration Platform
Connect Everything
RESTful APIs
Complete API suite for third-party integrations, mobile apps, web portals, and partner systems with OAuth 2.0 security.
SWIFT Integration
Proposed integration scope: SWIFT connectivity assessment for international payments, correspondent banking, and cross-border trade finance operations. Provider access, agreements, certification, and institution approval are required; no live connection is claimed.
Card Network Integration
Visa, Mastercard, and local card schemes with ATM switching, POS authorization, and settlement reconciliation.
Mobile Money Gateways
Proposed integration scope: Integration with M-Pesa, HelloCash, and other mobile money operators for deposits, withdrawals, and bill payments. Provider access, agreements, certification, and institution approval are required; no live connection is claimed.
Central Bank Reporting
Automated NBE regulatory reports, credit bureau reporting, statistical returns, and supervisory data submissions.
Credit Bureau Integration
Real-time credit checks, borrower verification, shared credit information, and automated reporting to credit reference bureaus.
CoreEvaluation scope
ChannelsEvaluation scope
TreasuryEvaluation scope
ReportingEvaluation scope
Next step
Review the Commercial Bank Scope
Map the product, branch, treasury, risk, and reporting requirements that matter for your institution.