Three pillars. One operating system.
ADIBA Banking Cloud is structured around three solution pillars — each can stand alone, and together they form a complete model for digital-first banking.
Omnichannel APIs
Acquire more customers — across every channel.
A single API surface for onboarding, accounts, payments, cards and more — consumed consistently across web, mobile, branch and partner channels.
- Onboarding & KYC orchestration
- Accounts, balances and transactions
- Card issuance and lifecycle
- Payments and transfers
- Notifications and consent
- Partner-channel APIs
BackOffice Console
Frictionless operational efficiency.
An administration console designed for the people running the bank day-to-day — configurable workflows, granular role-based access, and unified reporting in one place.
- Customer & product administration
- Configurable approval workflows
- Role-based access controls
- Unified operational reporting
- Audit trails and policy hooks
- Cross-product search & support
Open Banking suite
Interconnectedness with the wider ecosystem.
Plug into the open finance ecosystem — payment initiation, financial data, verification and partner integrations — with the regulatory posture to operate in regulated markets.
- Payment initiation
- Account & financial data
- Verification & ownership signals
- Partner & TPP integrations
- Consent and regulatory hooks
- Connector framework