FINMATEX: AI-Powered Fintech Platform FINMATEX: AI-Powered Fintech Platform
In the age of digital technology, face-to-face customer service is losing its importance. And the banking industry is no exception. Today's customers prefer to manage their finances on the go rather than waste time in long lines in bank branches. They value their time and need easy-to-use banking solutions that would match their lifestyle. To meet the needs of tech-savvy customers, financial institutions are going digital, making customer service available 24/7 from the comfort of one's personal device.
Online Banking App Online Banking App
Living paycheck to paycheck is quite common these days. And it's not just about overspending. Unpredictable income, low wages, and high costs for health care, utilities, insurance, and education are the reasons you can suddenly find yourself living on the edge financially through no fault of your own. Even people with high income tend to spend the entire paycheck without squirreling any money away for emergencies like medical expenses or unexpected job loss.
Online Trading Platform Online Trading Platform
Despite the growing popularity of online trending, many traders, especially beginners, still opt for traditional trading. They appreciate the live communication with brokers and feel more confident and secure because they can always get help and advice from a professional.More experienced traders, on the contrary, prefer online trading because of its lower cost and the possibility to trade 24/7 without additional fees.

FINMATEX: AI-Powered Fintech Platform

Technology domains
Cloud Solutions | Mobile | Big Data and Analytics | AI

FINMATEX Platform Structure

Mobile Application

Platform Management

Chatbot Designer

Product Designer

Mobile Application

  • A full set of necessary banking services
  • A marketplace with your financial products for taking online orders
  • Personal finance management features

    • Budgeting and saving
    • Financial goals and progress tracking
    • Investment management
    • AI in Personal finance
  • White-label or custom branded
  • Uploaded to the App Store and/or Google Play

Platform Management

  • Bank products design and management
  • Management of financial products available in the mobile app
  • Chatbots designer
  • Bank users management
  • ATM management
  • Deployed on your servers
  • Platform customization (including mobile application) upon your request for an additional fee

Chatbot Designer

  • Multiple chatbots support
  • The ability to add pictures, links, create forms and workflows
  • Bank products ordering with the set-up options

Product Designer

  • Multiple products support
  • Products management
  • Connection of products selection in chatbots
  • User orders processing

Features for Financial Organizations

At Softarex, we understand how hard it is today for financial organizations to stand out in the market and keep ever-demanding customers satisfied and loyal. Therefore, we’ve furnished the FINMATEX Platform with all the necessary features to help you provide high-quality, reliable service individually tailored to the needs of your customers.

With FINMATEX Platform you can:

  • Configure modules for your mobile app;
  • Get a white-label mobile app for your organization and customize it to your brand’s image
  • Set info about your company
  • Build custom chatbots for your mobile app
  • Manage your customers and employees
  • Integrate your application with Plaid and Yodlee (it requires linking your organization to one of these providers)
  • Create bank products using available templates or create them from scratch using the product app and marketplace modules
  • Manage ATM and branch locations
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Chatbot Designer

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Features

You can create chatbots covering:

  • Consulting — smart recommendations about products and services
  • Customer surveys and in-app products selection
  • Bank products ordering

Advantages

  • Codeless, visual-only chatbot development
  • Chatbot templates for credit cards
  • Integration with Products Designer
  • Integration with your mobile application

Product Designer

Purpose

Features

Advantages

Using this part of the FINMATEX Platform, you can create products and specify their detailed descriptions. This data is the basis for AI-driven products selection, comparison, ordering in the in-app marketplace, and in-chatbot marketplaces.

  • Short product description for the in-app marketplace
  • Full product description for the in-chatbot marketplace
  • Templates for credit cards
  • Numeric and text fields for product description
  • Numeric tables
  • Products parameters
  • Product logo
  • The ability to connect products to the in-app and in-chatbot marketplaces
  • Codeless products creation
  • Flexible products descriptions with a wide set of parameters
  • Integration into chatbots and mobile applications
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Mobile App Banking Features

All necessary features of a modern mobile application:

  • Biometric/passcode login
  • Accounts info
  • Transactions info
  • External accounts and transactions via Yodlee and Plaid
  • ACH, Wire, P2P, and Scheduled transfers.
  • Bill payment
  • Mobile check deposit
  • ATM/branch location management
  • Push notifications
  • Information about loyalty points
  • Video and text chat — an optional feature, available if the platform is integrated with Zoom, Twilio, or a custom solution
  • Voice banking — a feature that requires your organization to have a Twilio account and can process only a limited number of orders
  • Bank products view — information about products and online ordering, easily customized to your needs

Personal Finance Features

  • Budget creation and control
  • Notifications and alerts
  • Financial goals and progress tracking
  • Expenses monitoring, savings tips 
  • Transactions and transfers categorizer  
  • Manual modification and division of categories
  • Reports:
    • Net worth
    • Spending
    • Income
    • Debt 
    • Interest paid
    • Top payees
    • Stock position 
    • Stock portfolio
  • Retirement goal and savings calculators

Using this module we have developed our own mobile personal finance management application.

 

AI-based Features for FINMATEX Mobile App

AI in Personal Finance:

  • Reports analysis
  • Budget analysis and control
  • Alerts and recommendations about user spending
  • Debt plan

AI in Consulting:

  • Voice banking
  • Bank products selection and ordering
  • Consultation on banking products
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FINMATEX Platform Security

FINMATEX Platform meets the most relevant international security and privacy standards:

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Compliance: the platform follows privacy and security standards such as ISO 27001 & SOC 2

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End-to-end encrypted and authenticated communication

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Biometric login

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Full traceability of operations​

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Multi-factor authentication

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