Unlimited Possibilities At Your Fingertips

The Only Powerful Digital Banking Platform That You’ll Ever Need.

What is Juris Spectrum?

Juris Spectrum is an end-to-end digital banking platform, offering a unique, holistic digital banking experience for customers and businesses. Powered by connectivity and agility, Juris Spectrum is composed of a robust digital core and state-of-the-art customer engagement, lending, deposits, and collection capabilities.

Why Juris Spectrum?

Just like how light passes through a drop of water creating a spectrum of colours, customers and businesses on our digital banking platform will be able to experience a captivating journey filled with colours and memorable moments. They deserve to have that.

The future of banking is here. Unlock the unlimited possibilities with us.

Power the Moments.

Forever.

Customer engagement platform
Core banking
Lending & deposit
Digital collections
Data analytics & AI

Connect.

Everything.

digital banking, digital banks, digital banking platform, juris spectrum, juristech

Cloud-based
Open banking API
Access the digital ecosystem
Connect to regulatory bodies

Reimagine Tech.

Agile.

Mobile app & mobile-first platform
Codeless technology
State-of-the-art security

Power The Moments. Forever.

It only takes one captivating moment to grab the hearts of your customers but don’t stop there! Imagine creating powerful and memorable moments with your customers every step of the way in their digital banking journey.

Customer Engagement Platform

Build memorable moments to bridge the distance despite being distant.

An omni-channel engagement platform that helps you acquire, onboard, or communicate with customers seamlessly across all devices.
Authenticate/Onboard customers with robust eKYC features, built-in digital signature capabilities, and real-time checks for fraud, sanctions, or politically exposed persons (PEP).
Personalise interactions with customers using existing data to merge banking into their lifestyle.
Invent new digital platforms such as marketplaces, e-commerce, aggregators, etc. to achieve faster speed-to-market, delivering enormous value to customers and nurture an army of brand advocates.

Core Banking

Engage your core banking operations swiftly and in style.

Flex your lean core banking operations with powerful and secure engines.
Automate common banking and financing operations such as opening new accounts, making and servicing loans, managing customer accounts, etc.
Be truly agile and accessible for customers with the capability to offer a full range of financial products with a short product go-to-market time.
Freedom to scale in style with highly configurable business rules and parameters, and even for system users at different levels.

Lending & Deposits

Elevate your lending operations and drive greater revenue.

Do more with less and drive revenue with new and innovative technologies.
Automate customers’ digital lending journey with a technology built on a “customer-first” instead of a “bank-first” mindset to meet today’s digital demands.
Power your digital lending process with built-in credit scoring, product recommendation, and decisioning engine to improve customer experience and achieve significant cost savings.
Performance monitoring helps improve customers’ digital experience and can directly impact business outcomes.

Digital Collections

Enrich customer’s collection journey with smart approaches.

Improve resilience against credit losses with AI-powered collection solutions to personalise collection treatments.
Optimise collection resources and reduce collection treatment cost to drive greater revenue.
Engage with customers more efficiently with a customer self-service portal anytime, anywhere.

Artificial Intelligence

Unlock the power for AI and analytics to drive intelligent business decisions.

Use data analytics, AI, and smart banking capabilities to provide actionable customer insights.
Trigger the right moment at the right time to the right customer.
Predict and recommend the next best actions for origination and collection officers.
Use AI as a differentiator to increase competitive advantage, scale, and drive performance improvements.

Connect. Everything.

Everything is connected! Monetise the digital experience by going beyond banking to earn the trust and loyalty of customers. Digital users quickly lose patience when digital experiences do not meet their expectations.

Digital Ecosystem

Thrive in the ecosystem.

Orchestrate ecosystems around specific life moments of your customers. For example, tapping into life moments through marketplaces in the food, utilities, housing, and travel industries.

Cloud-Based

Be cloud-agnostic.

Freedom to scale and move seamlessly to other cloud providers as your needs dictate. This means you can be assured of a consistent and standard performance whatever platform the application is deployed on.

Open Banking API

Be vastly connected.

Increase your appeal as a bank to customers in meeting their ever-changing demands in a secure, agile, and future-proof method. Leverage on APIs to connect to various technology and service providers.

3rd-Party Data

Leverage and scale.

Aggregate data from external providers such as credit bureaus or social platforms to deliver value-added services to untapped or underserved markets.