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Business Banking
SME Bank
Digital Banking for Business powered by Self_CubeAI
Self_CubeAI helps banks launch powerful services for small and medium businesses: from account opening to lending, analytics, ERP integrations, and predictive AI scenarios.
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Out-of-box Functions
Platform Modules
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Microservices
3-6
Months to MVP
SME Bank — Digital Banking for Legal Entities
The platform combines account management, payments, complex banking products, accounting, documentary operations, treasury, FPS, digital ruble, and AI analytics.
Key capabilities
  • All Payment Types
  • AI Analytics
  • FPS & Acquiring
  • Trade Finance
  • Corporate Cards
  • Digital Ruble
01
Access Management
Security & Control
• MFA (Multi-factor authentication) • Role-based access model • Limits & restrictions • Certificates & digital signatures • Machine-readable power of attorney • Corporate acceptance schemes
02
Accounts & Statements
Analytics & Reporting
• Detailed account statements • Transaction analytics • Seizure information • Account restrictions • Tariffs & commissions • Export in various formats
03
Payments & Registers
All Payment Types
• Ruble payments • Foreign currency transfers • Register management • Bulk operations • Payment templates • Incoming claims
04
FX Operations & Currency Control
International Operations
• FX contracts • SWIFT transfers • Status tracking • Documentary support • Currency control • Rates & conversion
05
Deposits & Loans
Credit Products
• Online loan applications • Payment schedules • Early repayments • Review statuses • Deposit products • Overdrafts & credit lines
06
Documentary Products
Trade Finance
• Letters of credit • Bank guarantees • Collections • Escrow accounts • Nominee accounts • Special accounts
07
Acquiring & FPS
Payment Acceptance
• Merchant management • Acquiring reports • Transaction history • B2B/B2C/C2B FPS transfers • Corporate cards • QR codes & payment links
08
Advanced Services
Corporate Solutions
• Cash pooling • Factoring • Budgeting • Cash collection • Payroll projects • Corporate treasury
09
Digital Ruble
CBDC Integration
• Digital ruble account opening • Fund conversion • Operation statuses • Digital ruble reports • Central Bank integration • Limit management
10
AI Layer Serenta
Intelligent Services
• Cashflow forecasts • NLP-BI analytics • Auto document generation • Anomaly detection • Fraud AI system • Recommendation models
11
Bank Panel
Backoffice & Administration
• Admin console • Limit management • Product configuration • Audit & logging • Operations monitoring • Client management
What does a business client get?
Complete set of tools for efficient company financial management
Settlement Accounts & Multi-currency
Account management, balance control, fast operations
Bulk Payments & Payroll Projects
Employee payments, templates, automation
SME Online Cabinet
Roles, permissions, full company operations control
ERP/Accounting Integrations
1C, SAP, CRM systems, document exchange
Cash-flow Analytics
Cash flow forecasts, cash gap prevention
AI Analytics for Business
NL-QA format reports
Lending & Factoring
Scoring, limit calculation, online application, automated decisions
Counterparty Management
Checks, interaction history, auto-fill data
Non-financial Services
Business services: documents, government forms, tickets, insurance, marketplace
AI Core Serenta
AI Capabilities for Business
Intelligent services that help business clients make decisions faster and more accurately. The platform transforms banking services for business into an intelligent decision support system.
Predictive cash flow model
Scoring & real-time underwriting
Natural language business report generation
Transaction anomaly detection
SME assistant: answering business owner questions
Dynamic product offers
Expense analytics by projects/departments
Why do banks choose SME Bank?
Competitive advantages of the platform for SME business development
Convenient office for business
Flexible roles and access for the whole team
AI Forecasting
Cash-flow and risks under control
Integrations
ERP/CRM systems without barriers
Service Acceleration
Reduced operational costs
Business Ecosystem
Financial and non-financial services – all in one place
Revenue Growth
Business process automation as a growth driver
Self CubeTop-tier corporate servicing platformDownload PDF
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