Core Banking & Microfinance Software
Next-Gen Core Banking &
Microfinance Engine
Empower microfinance institutions, credit cooperatives, and digital lenders with automated loan origination, savings accounts, and secure transaction ledgers.
Enterprise Ready
Verified Architecture
99.999%
Core Ledger Uptime
<100ms
Transaction Posting
Bank-Grade
256-Bit HSM Encryption
1M+
Daily Transactions
Next-Gen Capabilities
Core Strengths & Features
Engineered with modern paradigms to elevate performance, security, and user delight.
Loan Origination & Amortization
Automated EMI calculations, credit risk scoring, document verification, and disbursement queues.
Deposit & Savings Accounts
Multi-tier interest calculation, recurring deposits, fixed deposit certificates, and passbook logs.
Agent & Field Collector App
Offline mobile app for field officers to collect loan repayments with instant Bluetooth receipt printing.
Automated Penalty & Recovery
Rule-based overdue penalty calculations, delinquency alerts, and collection agent tracking workflows.
KYC & Document Vault
Encrypted national ID verification, biometric deduplication, and regulatory audit compliance reporting.
SMS & WhatsApp Notifications
Instant automated transaction receipts, EMI due reminders, and account balance query responses.
Engineered for Scalability
Enterprise Technology Architecture
Built with high-throughput distributed protocols, zero-trust security standards, and modern cloud ecosystems.
Java / Spring Boot
PostgreSQL
React
Kafka
Docker
AWS Vault
Twilio SMS
Thermal Print SDK
99.99% Availability SLA
Automated failover, geo-distributed database clusters, and sub-second disaster recovery protocols.
Zero-Trust Security
Role-based access control (RBAC), end-to-end TLS 1.3 encryption, and automated SOC-2 audit logs.
Continuous CI/CD
Automated regression testing, blue-green zero-downtime deployments, and real-time monitoring.
Execution Methodology
Agile Delivery Blueprint
Predictable timelines, transparent sprint demos, and zero production surprises.
Stage 01
Discovery & Blueprint
Deep requirements gathering, technical feasibility audit, and architecture roadmap specification.
Stage 02
UI/UX & Prototyping
Interactive design prototypes, component design tokens, and user flow validation before coding.
Stage 03
Sprint Development
Bi-weekly development sprints with continuous automated testing, CI/CD, and live staging previews.
Stage 04
Deployment & Support
Production cloud rollout, 100% IP transfer, comprehensive documentation, and 24/7 SLA maintenance.
Clarity & Transparency
Frequently Asked Questions
Everything you need to know about our process, IP ownership, and technical deliverables.
Yes! The field collector mobile app stores collections offline and synchronizes securely with the core server once connectivity is restored.
The ledger utilizes double-entry immutable accounting principles with cryptographic transaction hash seals and role-based multi-approvals.
Yes, monthly/quarterly/annual interest payouts for fixed and recurring deposits are calculated and posted automatically.
95% Accuracy
Partner with the Best Software Development Company in Kolkata
Elevate your business with innovative software solutions from Code of Dolphins. Contact us today to transform your ideas into reality and gain a competitive edge in your industry.
-
250+
HappyClients
-
99%
Success Rate
Free Consultation
