Human Focused, AI Powered, and Metrics Driven Aion hikmah is made for AI-first banking. This means our entire technology architecture is built to identify customer journeys and cater to them, resulting in banking products that generate more revenue while costing less to make ​​

digital-onboarding



Aion Hikmah

Human Focused, AI Powered, and Metrics Driven
Aion hikmah is made for AI-first banking. This means our entire technology architecture is built to identify customer journeys and cater to them, resulting in banking products that generate more revenue while costing less to make ​

aion-hikmah

AI Analytics & Dashboard

  • Churn prevention – predict users at risk of churn from behaviour pattern
  • Fraud/credit management – optimize treatment at acquisition and collection
  • Financial recovery – assure revenue streams against customer usage
  • Cross-sell & up-sell – develop unique campaigns using predictive analytics
  • Optimal pricing – optimize pricing via analyses of customer financial data
  • Customer targeting – prioritize potential customers to predict buying pattern
  • Offer targeting – develop pull purchase using predictive analytics
  • Marketing Mix Modelling – Multi-variable modelling to design optimal media mix
  • Proactive Support – Proactive customer support system
  • Digital Distribution – Become omni-channel friendly
  • Data Monetization – Via advertising, media and segmentation services
  • Product Augmentation – Create data based and data augmented smart products
A complete ecosystem of banking transfers and payments allowing customers to transact through mobile. 
  • Integrate with other finance and accounting systems, and liquidity management systems
  • Risk and fraud detection through rules, AI and integration with third-party applications or systems
  • International transfers; fully supports international standards for transfers and payments – SEPA, BACS, CHAPS, ACH
  • Ability to upload invoices
  • Allows transfers between accounts and within the bank
  • Transfer to other banks
  • Bill payments (single and bulk)
  • Display upcoming bills
  • Manage payees
  • create, edit, delete
  • Set-up recurring payments
  • Payroll management
  • Single debit, multiple credits
  • Standing instructions
  • Sweeping setup
  • Pre-integrated with local apps
  • Bahrain -EFTS
  • UAE – FTS
Provide your corporate banking customers with real-time views of their cash position. Your customers will get an accurate picture and understanding of their cash liquidity, making the most effective use of their cash.
  • Real-time cash and liquidity management
  • Powerful analytical and reporting tools and dashboards to support decision making
  • Seamless integration with existing cash management applications and systems
  • Drive revenue growth by providing the right products and solutions at the right time
  • Automated creditors and debtors can be scheduled for effective cashflow management
  • Real time visibility throughout transactions lifecycle
  • Complete audit trail
Automate batch and bulk payments using our solution – from any device. Alternatively, create manual bulk payments if required. Payroll can be managed through this solution too.
  • Drag and drop files or import files for quick and convenient bulk payments
  • Fast and secure payroll management functionality
  • Manual bulk payments can be easily created and executed
  • Ability to save payment templates
  • Balance confirmation
  • Stamped bank statement
  • Cheque book request (manual back office request)
  • (connectivity to stationary management system)
  • Stop payment cheques (ability to upload police report)
  • Smart routing for each request to RM, operations or DCM
  • E-Signature and document management
Digital self-service functionality provided to corporate customers enabling them to manage their cards. Reduce the number of contact center calls and queries and therefore costs.  We provide a seamless integration with your card management system which translates to an enhanced experience for your customers.  
  • Digital self-service capabilities for all cards
  • Request new cards, activate or block cards
  • Change card limits
  • PIN change
  • Change address and contact details
  • Report stolen or lost card
  • View journey and purchase history
  • Application for refunds
Provide customers the convenience of depositing cheques via their smartphones at any time and any place. 
  • Cheque book request
  • Stop cheque payment
  • Issuance instruction of a manager’s cheque
  • Post-dated cheque management
  • Police report upload
Communication is an integral part of the overall self-service digital experience. We’ve built a hub that facilitates two-way communication safely and securely and links with smart customer service support.
  • View, write, live chat
  • Treasury (for special rates), operations, RM, corporate users
  • Enable all users to directly chat with other users for authorization status
  • Click to call
  • Message centre
  • Chatbots
  • Search and filter
  • Audit log

As part of the digital self-service experience, customers can edit and manage their profiles with ease and simplicity.

Self-service authority matrix setup

  • Operations portal to review and authorize authority matrix
  • Different signatory modes (anyone, one by one, all)
  • Maker, checker model coupled with single or multi-level authorization matrix
  • Business counterparties, demographics, users, products, limits setup
  • Four-eye for all administrative activities and transaction approval
  • Rights and role-based access Self-service user creation
  • Operations portal to review mandate and authorize signatories
  • Corporate admin user to create additional users
  • Configurable two factor authentication option at login and authorization Beneficiary setup
  • Intuitive workflow for reading of IBAN/SWIFT/Country and auto populating details according to International (SWIFT, IFSC, BSB, NCC) or LocalUser profile
  • Limit management
  • Beneficiary restrictions
  • Account restrictions based on roles (like HR only seeing payroll accounts)
  • IP restrictions
  • Country restrictions (app and portal)
  • Office timing restrictions (app and portal)
  • Authentication
  • OTP (Email, SMS)
  • Soft Token for web portal
  • PIN for transaction authorization
  • Customer user onboarding (full workflow corporate user / retail)
  • Transaction authorization workflow for each signatory
  • All payment inputs through app
  • Restricted access
  • Office timings
  • Country
  • User limits
  • Native Apps
  • Side swipe
  • Rotate for details
  • Multi-country and multi-currency
  • Multi-tenant
  • Coverage for conventional and Islamic business segments
  • Password policy management
  • Security for access, data in transit, and data at rest
  • Checks for multiple logins, idle session time logout, cookies deletion on sign-out, etc.
  • Highly secure encryption option e.g. Advance Encryption System (AES)
  • File exchange or instructions acquisition via web based online system/ web services/SWIFT SCORE/SFTP/Email/SWIFT (MT103, MT 202Cover, etc.)/H2H connectivity
  • Multi-file formats like CSV/TXT/XML/PDF/MS EXCEL/ISO20022, etc., with option to make completely customizable data processing files
  • Open APIs
  • Cross browser compatibility

Aion
Hikmah

Human Focused, AI Powered, and Metrics Driven
Aion hikmah is made for AI-first banking. This means our entire technology architecture is built to identify customer journeys and cater to them, resulting in banking products that generate more revenue while costing less to make ​

aion-hikmah

AI Analytics & Dashboard

  • Churn prevention – predict users at risk of churn from behaviour pattern
  • Fraud/credit management – optimize treatment at acquisition and collection
  • Financial recovery – assure revenue streams against customer usage
  • Cross-sell & up-sell – develop unique campaigns using predictive analytics
  • Optimal pricing – optimize pricing via analyses of customer financial data
  • Customer targeting – prioritize potential customers to predict buying pattern
  • Offer targeting – develop pull purchase using predictive analytics
  • Marketing Mix Modelling – Multi-variable modelling to design optimal media mix
  • Proactive Support – Proactive customer support system
  • Digital Distribution – Become omni-channel friendly
  • Data Monetization – Via advertising, media and segmentation services
  • Product Augmentation – Create data based and data augmented smart products
A complete ecosystem of banking transfers and payments allowing customers to transact through mobile. 
  • Integrate with other finance and accounting systems, and liquidity management systems
  • Risk and fraud detection through rules, AI and integration with third-party applications or systems
  • International transfers; fully supports international standards for transfers and payments – SEPA, BACS, CHAPS, ACH
  • Ability to upload invoices
  • Allows transfers between accounts and within the bank
  • Transfer to other banks
  • Bill payments (single and bulk)
  • Display upcoming bills
  • Manage payees
  • create, edit, delete
  • Set-up recurring payments
  • Payroll management
  • Single debit, multiple credits
  • Standing instructions
  • Sweeping setup
  • Pre-integrated with local apps
  • Bahrain -EFTS
  • UAE – FTS
Provide your corporate banking customers with real-time views of their cash position. Your customers will get an accurate picture and understanding of their cash liquidity, making the most effective use of their cash.
  • Real-time cash and liquidity management
  • Powerful analytical and reporting tools and dashboards to support decision making
  • Seamless integration with existing cash management applications and systems
  • Drive revenue growth by providing the right products and solutions at the right time
  • Automated creditors and debtors can be scheduled for effective cashflow management
  • Real time visibility throughout transactions lifecycle
  • Complete audit trail
Automate batch and bulk payments using our solution – from any device. Alternatively, create manual bulk payments if required. Payroll can be managed through this solution too.
  • Drag and drop files or import files for quick and convenient bulk payments
  • Fast and secure payroll management functionality
  • Manual bulk payments can be easily created and executed
  • Ability to save payment templates
  • Balance confirmation
  • Stamped bank statement
  • Cheque book request (manual back office request)
  • (connectivity to stationary management system)
  • Stop payment cheques (ability to upload police report)
  • Smart routing for each request to RM, operations or DCM
  • E-Signature and document management
Digital self-service functionality provided to corporate customers enabling them to manage their cards. Reduce the number of contact center calls and queries and therefore costs.  We provide a seamless integration with your card management system which translates to an enhanced experience for your customers.  
  • Digital self-service capabilities for all cards
  • Request new cards, activate or block cards
  • Change card limits
  • PIN change
  • Change address and contact details
  • Report stolen or lost card
  • View journey and purchase history
  • Application for refunds
Provide customers the convenience of depositing cheques via their smartphones at any time and any place. 
  • Cheque book request
  • Stop cheque payment
  • Issuance instruction of a manager’s cheque
  • Post-dated cheque management
  • Police report upload
Communication is an integral part of the overall self-service digital experience. We’ve built a hub that facilitates two-way communication safely and securely and links with smart customer service support.
  • View, write, live chat
  • Treasury (for special rates), operations, RM, corporate users
  • Enable all users to directly chat with other users for authorization status
  • Click to call
  • Message centre
  • Chatbots
  • Search and filter
  • Audit log

As part of the digital self-service experience, customers can edit and manage their profiles with ease and simplicity.

Self-service authority matrix setup

  • Operations portal to review and authorize authority matrix
  • Different signatory modes (anyone, one by one, all)
  • Maker, checker model coupled with single or multi-level authorization matrix
  • Business counterparties, demographics, users, products, limits setup
  • Four-eye for all administrative activities and transaction approval
  • Rights and role-based access Self-service user creation
  • Operations portal to review mandate and authorize signatories
  • Corporate admin user to create additional users
  • Configurable two factor authentication option at login and authorization Beneficiary setup
  • Intuitive workflow for reading of IBAN/SWIFT/Country and auto populating details according to International (SWIFT, IFSC, BSB, NCC) or LocalUser profile
  • Limit management
  • Beneficiary restrictions
  • Account restrictions based on roles (like HR only seeing payroll accounts)
  • IP restrictions
  • Country restrictions (app and portal)
  • Office timing restrictions (app and portal)
  • Authentication
  • OTP (Email, SMS)
  • Soft Token for web portal
  • PIN for transaction authorization
  • Customer user onboarding (full workflow corporate user / retail)
  • Transaction authorization workflow for each signatory
  • All payment inputs through app
  • Restricted access
  • Office timings
  • Country
  • User limits
  • Native Apps
  • Side swipe
  • Rotate for details
  • Multi-country and multi-currency
  • Multi-tenant
  • Coverage for conventional and Islamic business segments
  • Password policy management
  • Security for access, data in transit, and data at rest
  • Checks for multiple logins, idle session time logout, cookies deletion on sign-out, etc.
  • Highly secure encryption option e.g. Advance Encryption System (AES)
  • File exchange or instructions acquisition via web based online system/ web services/SWIFT SCORE/SFTP/Email/SWIFT (MT103, MT 202Cover, etc.)/H2H connectivity
  • Multi-file formats like CSV/TXT/XML/PDF/MS EXCEL/ISO20022, etc., with option to make completely customizable data processing files
  • Open APIs
  • Cross browser compatibility

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