Overview

INFOPRO’s Islamic banking solution is a Shariah-native core banking platform designed to deliver end-to-end Islamic finance operations — from Shariah-aligned deposit and financing products to fatwa enablement, digital channels, and AI-driven automation. The platform focuses on built-in Shariah compliance, real-time monitoring, scalable core banking services, and integration with digital banking, risk & compliance, and analytics to support Islamic banks and Islamic windows of conventional banks.

Features and Capabilities

• Core Banking & Accounts: A fully Shariah-native core engine supporting Islamic account types, profit-sharing calculations, and transaction posting compliant with Islamic finance rules.
• Financing & Product Catalog: Flexible Islamic financing modules for retail, corporate, and secured/unsecured facilities with murabaha, ijara, musharaka, and mudaraba support.
• Fatwa Enablement & Shariah Controls: Integrated fatwa validation workflows and Shariah governance controls to ensure transactions and product setups follow board-approved rulings.
• AI-Driven Automation: AI components for process automation, enhanced credit decisioning, personalized customer experiences, and analytics to improve operational efficiency.
• Digital Channels & Omnichannel: Customer digital banking, eKYC/onboarding, mobile and internet banking integration for seamless customer journeys across channels.
• Risk, Compliance & AML: Embedded enterprise risk, AML screening, regulatory reporting, and Shariah compliance monitoring tied into the core platform.
• Reporting & Analytics: Real-time dashboards, business intelligence, and reporting tools for operational oversight, Shariah audit trails, and management insights.
• Integration & Scalability: API and integration capabilities to connect payment systems, third-party services, and legacy systems; scalable architecture for multi-branch and multi-jurisdiction deployments.
• Specialized Modules (Ar Rahnu etc.): Additional Shariah-focused modules such as Islamic pawnbroking (Ar Rahnu) and other vertical solutions supporting specific Islamic financial services.
• Professional Services & Support: Implementation, training, Shariah advisory, and ongoing support services provided by the vendor to ensure correct deployment and compliance.