Self_ - Full-cycle IT company: fintech development for banks, insuranc

Cube - Online Banking Solution

Neo/Retail Bank

Comprehensive retail banking solution powered by Self_CubeAI

Full-featured retail banking solution. Contains 350+ banking and non-banking functions that easily integrate into your bank's IT landscape and business processes. The interface adapts to your bank's design system and corporate style.

Banking Functions

Core Modules

Call Center Load Reduction

3-6

Months to MVP

Web

Responsive Design

Mobile Apps

iOS / Android

Tablet

Tablet Devices

Key Features

Instant Account Opening

Simple onboarding without paperwork

Mobile Payments

Fast and secure smartphone transactions

Personal Finance Management

Budgeting and expense control tools

Enhanced Security

Biometrics and advanced anti-fraud

Real-time Push Notifications

Transaction and account activity alerts

AI Capabilities

Intelligent features transforming customer experience

Integrated Non-banking Services

Access to lifestyle and utility services

Family Banking

Customizable accounts and expense control

Crypto Wallet Integration

Convenient digital asset management

Functionality

What does a retail client get?

A complete feature set for modern digital banking: from account opening to investments and insurance — all in one app.

Key capabilities:

Accounts & Cards
Payments & FPS
Payments & FPS
PFM & Analytics
Investments
Online Loans
AI Assistant

Accounts & Wallets

Financial Management

• Online account opening • Multi-currency wallets • Transaction history • Expense analytics • Statement export • Savings accounts

Cards

Debit & Credit

• Instant virtual cards • Physical cards with delivery • Apple Pay / Google Pay • Limit management • Block/unblock • Cashback & bonuses

Payments & Transfers

All operation types

• P2P transfers by phone number • Interbank transfers • Auto-payments & templates • Fast Payment System (FPS) • Utility & bill payments • QR payments

PFM (Personal Finance Manager)

Smart budget management

• Expense categorization • Budgets & limits • Spending forecasts • Goals & savings • Overspending alerts • Period analytics

Investments & Savings

Capital growth

• Investment portfolios • Robo-advisor • Savings strategies • Stocks & bonds • Deposits • Pension programs

Loans

Fast approval

• Online application in minutes • Instant scoring • Personalized offers • Refinancing • Payment schedule • Early repayment

Insurance

Protection & Safety

• Life insurance • Property insurance • Travel insurance • Auto insurance • Health insurance • Optimal plan selection

AI Assistant

Intelligent service

• 24/7 Q&A support • Chat-based operations • Voice control • Personal recommendations • Forecasts & tips • Routine automation

Security

Data Protection

• Biometric authentication • Anti-fraud system • Device control • Login notifications • Operation limits • Suspicious activity blocking

AI Core Serenta

AI Capabilities for Neo/Retail Banking

Intelligent features that transform customer experience and operational efficiency. AI transforms retail banking into an intelligent ecosystem of personalized financial services.

Intelligent features that transform customer experience and operational efficiency

AI transforms retail banking into an intelligent ecosystem of personalized financial services.

Customer financial behavior analysis

Personalized recommendations & next-best-actions

Call center load reduction (up to 80%)

Predictive expense and income analytics

Anomaly and fraud detection

Operations and service automation

Unified AI Core Serenta

Platform Advantages

Transaction Volume Growth

Achieved through mobile banking implementation and accessibility

Operating Cost Reduction

Through process automation

Transaction Processing Time Reduction

Through automation and digitization

Bank Revenue Growth

Achieved through increased commission income

Customer Satisfaction Growth

Ensured by fast response and 24/7 service availability

4.8

App Store Rating

Average rating of implemented solution

Why banks choose Self_CubeAI?

Platform advantages for retail banking

Fast Launch

Digital bank in 3-6 months

Engagement

Increased activity and revenue

Savings

Reduced service costs

NPS

Improved customer experience

Flexibility

Extensibility and modularity

Integrations

Any external services

Card and Payment Management

Full-featured card management with real-time balance tracking, transaction history, and seamless payment capabilities. Support for credit and debit cards with full control. • View all card balances at a glance • Expense tracking and transaction history • Payment deadline management • Quick access to card operations

Savings and Loan Products

Complete deposit and loan management with transparent terms, flexible repayment options, and personalized offers based on your financial profile. • Track deposit balances and accrued interest • Monitor loan payments and schedule • Quick access to new product applications • Exchange rates and currency exchange

Loan Products and Payments

Detailed loan tracking with payment schedules, early repayment options, and comprehensive analytics on your credit history. • Detailed payment schedules • Early repayment calculator • Credit card management • Personalized loan offers

Operations & Analytics

Complete transaction history with powerful filters, expense analytics, and category-based spending tracking for better financial management. • Complete transaction history with filters • Expense categorization • Expense analytics by period • Bill payment tracking

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