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Launch and manage banking products across accounts, transactions, and payments on a modular platform built to work with one or multiple cores.
Products overview
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Use Case (Mobile)
audax combines digital origination and party management to deliver configurable end-to-end onboarding, identity verification, compliance screening, account creation, and a single trusted party master across individuals, businesses, prospects, and relationships, reducing time-to-account, duplication, and regulatory risk.
Use Case (Deposit)
One configurable deposit engine replaces bespoke CASA logic — launching new products, opening accounts, processing transactions and closing the day on a single platform the bank controls.
Problem
- Rigid legacy core
- Slow product launch
- Manual end-of-day
- Balance disputes
- Fragmented staff tools
- Finance reconciliation
How audax solves it
- Configuration-driven product factory for deposits
- New rates and charges live without code change
- Automated interest, profit, tax and fee postings
- Real-time postings with historical balance trail
- Unified operations UI across deposit accounts
- Built-in double-entry general ledger with daily extracts
Use Case (Lending)
One lending engine covers installment loans and revolving credit on the same platform as deposits — with configurable products, automated lifecycle and delinquency tracking that risk and finance teams can trust.
Problem
- Rigid loan products
- Manual repayment tracking
- Late delinquency detection
- Credit limit silos
- Complex write-off process
- Poor lending data quality
How audax solves it
- Configurable loan rules, rates and schedules
- Automated schedules with real-time repayment posting
- Bucket-based delinquency tracking with aging
- Shared customer and credit limit model
- End-to-end charge-off and closure flow
- Daily loan extracts for finance and risk reporting
Accounts and transactions overview
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Use Case (Mobile)
audax combines digital origination and party management to deliver configurable end-to-end onboarding, identity verification, compliance screening, account creation, and a single trusted party master across individuals, businesses, prospects, and relationships, reducing time-to-account, duplication, and regulatory risk.
Use Case (Accounts)
Every account interaction — enquiry, action, aggregation — runs on one configurable platform that hides core banking fragmentation and puts a single customer view in front of every channel.
Problem
- Siloed core systems
- Stale balances
- Multi-currency complexity
- Rigid product presentation
- Manual lifecycle actions
- Payment mis-routing
How audax solves it
- One API across deposits, loans and term deposits
- Real-time enquiry with configurable data-source routing
- Consolidated balance with real-time FX conversion
- Configurable account catalogue and grouping rules
- Digital self-service for account life-cycle management
- Built-in beneficiary account look-up
Use Case (Transactions)
One transaction layer powers customer statements, staff enquiries, personal finance management and downstream analytics — regardless of which core system the transaction originated in.
Problem
- Slow transaction history
- Limited search
- Generic statements
- Multi-core fragmentation
- No PFM foundation
How audax solves it
- Real-time retrieval across all accounts in one call
- Filters, date ranges and wildcard search on key fields
- User-defined categories and tags on every transaction
- Unified transaction model across internal and external systems
- Decorated transactions ready for analytics and insights
Payments and cards overview
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Embedded in the journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Use Case (Mobile)
audax combines digital origination and party management to deliver configurable end-to-end onboarding, identity verification, compliance screening, account creation, and a single trusted party master across individuals, businesses, prospects, and relationships, reducing time-to-account, duplication, and regulatory risk.
Use Case (Payments)
All payment types run on a single config-driven platform with embedded limit enforcement, scheduling, and multi-currency support — reducing integration effort and accelerating time to market.
Problem
- Fragmented payment channels
- Manual limit management
- Rigid bill payment setup
- No recurring payment support
- Opaque FX pricing
How audax solves it
- Enforce tiered transaction limits by currency, payment type, and customer segment; schedule recurring payments with lifecycle controls; and retrieve real-time foreign exchange rates with transparent fee breakdowns.
- Config-driven limits by currency, type, segment, and profile
- Configurable biller catalogue with dynamic service discovery
- Scheduled payments with frequency, lifecycle, and execution tracking
- Real-time FX quotes with transparent fee breakdowns
Use Case (Cards)
A single card management platform reduces branch dependency, gives customers real-time control, and connects seamlessly to existing card processing infrastructure.
Problem
- Branch-dependent card issuance
- Manual PIN management
- No spending controls
- Slow card replacement
- Fragmented card operations
How audax solves it
- Digital card issuance with automated processor integration
- Self-service PIN setup and change via mobile
- Configurable transaction limits by channel and region
- Streamlined replacement and cancellation workflows
- Unified card lifecycle from issuance to cancellation
Shape what your customers experience next
Connect with our team to explore how audax can support your modernisation priorities, or request a personalised demo of our platform.
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