Fundamentals
Three levels
The Platform's structure can be represented by three levels: Core, Integration, and Exchange.
Level I – Core:
It contains all banking processes required by the different types of Financial Institutions.
Level II - Integration:
It is integrated by the API, the integration framework that allows for services consumption and exposure management, facilitating the integration with all those included.
Level III - Exchange:
It represents the points of contact throughout the entire customer journey, which we call "Touchpoints". “Customer Journey”, que denominamos “Touchpoints”.
Seven elements
There are seven basic elements required to meet the needs of the different business models that exist today.
Building Blocks
A set of banking solutions required by all Financial Institutions.
Heavy Duty
Scalability and availability 24 hours a day, 365 days a year, without interruption.
Security & Stds. Alignment
Confidentiality and compliance with international standards.
Embedded AI
Artificial Intelligence technologies in all its layers and life cycle processes.
Integrable
Integration through APIs and standards. Cloud, server and database agnostic.
Observability
Monitoring and understanding of platform behavior for decision making.
Innovation Community
Integrates solutions within an innovation community that develops around the platform, complementing it and expanding its capabilities.
Explore our solutions
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Bantotal Core
Bantotal Core is the centerpiece of our platform and solves all mission critical banking processes for Banks, Finance Companies, Fintech, Digital Banks, e-Commerce, Banking as a Service providers, etc. -
Microfinance
Bantotal Microfinance is the benchmark solution for microfinance companies, supporting the operation of the most important institutions in Latin America. This has enabled the incorporation of industry best practices and processes. -
Comex
Bantotal Comex is the solution that allows financial institutions to develop the business of Letters of Credit, Guarantees, Collections, Drafts and International Checks. -
Treasury
Bantotal Treasury allows the Financial Institution to offer its customers a global vision of its portfolio through a scalable system in terms of product variety and business volume. -
Mutual Funds
Bantotal Mutual Funds is a solution that allows the Financial Institution to offer their customers access to a diverse portfolio, starting from a reduced volume of money, seeking to give liquidity, security and rentability to said savings. -
Compliance
It is the solution that ensures Financial Institutions are in compliance with the regulations of the country it operates in, as well as the Foreign Account Tax Compliance Act (FATCA) and the International Financial Reporting Standards (IFRS). -
Cash Management
Bantotal Cash Management allows financial institutions to offer their customers payment, collection and transfer services, outsourcing their treasury and saving time and money. -
Banking as a Service
Bantotal Banking as a Service (BaaS) is the service that allows banks to offer their infrastructure and services so that Fintechs can provide banking products without the need for a banking license. -
Embedded Finance
Bantotal Finanças Incorporadas is the solution that allows financial institutions to integrate banking products into people's daily lives through collaborative agreements with non-financial organizations. -
BPay
BPay is a payment solution certified in multiple markets, which allows instant interbank transfers through different channels, considering the current norms and standards. -
BPeople
BPeople focuses on developing digital banking solutions that have a memorable impact on the customer experiences of financial institutions, offering innovation, market knowledge and implementation methodologies. -
BData
BData specializes in the development of data science and analysis methods and techniques, so that financial institutions can have observability, make intelligent decisions and optimize their business performance. -
BSaaS
BSaaS develops a set of specialized services to solve the financial processes required by financial and non-financial institutions under the Software as a Service modality. -
BStore
BStore provides Financial Institutions with relevant innovation that integrates and complements the platform so they can improve and grow in today's business context.
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