Rubikon Overview

Future-proof solution

If you are looking for a banking solution with greater operational efficiency, high performance, agility and exceptional customer service across all channels simultaneously, then Rubikon is the right solution for you. Rubikon scalable framework facilitates rapid incremental deployment; either as a complete universal banking system or a series of modular applications/ services to cater the specific needs of your business. Rubikon offers an integrated range of solutions that increase efficiency, customer loyalty and help banks thrive in the digital world. Rubikon has a multi-layered service-oriented- architecture, and is built on an integrated, secure and scalable platform. The seamless integration between modules and consistent user-interface makes it very easy to use.

Rubikon technology platform is built on modern open technology and SOA architecture, bringing scalability and agility while delivering process excellence to the business. With straight-through processing and with seamless integration between modules, Rubikon is a truly future-proof solution.

Rubikon Retail Banking

Position your core business for the future

With the financial services industry undergoing significant transformations, is your organisation ready to embrace the rapid changes that are needed to stay a step ahead of the competition?

Rubikon is a comprehensive back to front office suite with integrated workflow enabling CRM and Business Intelligence integration and running real-time and offering banking services anytime, anywhere. It addresses all the core needs of banks and financial institutions and manages the constant challenges they are facing. Rubikon has a scalable and modular architecture which helps you to respond and adapt quickly and easily to the rapid changes and new demands of regulatory authorities and customers.

Rubikon’s workflow management is integral to all its modules and provides a complete and automated control of operations. Its externalised rules engine provides banks with controls and the flexibility to change the operating rules without recourse to the software vendor. Banks can make changes in a timely manner to suit their business needs and keep up-to-date with the latest regulations, management policies and market requirements. Furthermore, Rubikon can be deployed across different regions, supporting multi-currency, multiple languages, and reporting capabilities within the same environment.

Features & Benefits

Integrated workflow –providing a complete and automated control of operations, thereby increasing efficiency and reducing operational risk.

Integrated CRM – enabling banks and financial institutions to create a rich and differentiated value proposition to its customers.

Business Intelligence –bringing unparalleled benefits to planning, profitability and risk management.

True 24×7 non-stop banking – offering seamless availability to staff and customers.

Integrated delivery channels – ensuring the customer has a consistent and smooth experience whatever the channel used.

Customer-centric – offering a unified view of the customer across all channels and products.

Flexible product definition – allowing to create or modify products quickly, thereby reducing the time-to-market.

Rubikon e-Banking

Digitally empowered banking solution

Are you looking to grow your business through innovative digital banking services?

Then Rubikon e-Banking is the right solution for your organisation.

End-customer expectations of digital banking services are changing. You need to be able to provide excellent and personalised service, advise your customers, push sales and conversions via online channels. At the same time, your e-banking solution should be cost effective, secure and shorten time-to-market.

Rubikon e-Banking is a suite of integrated products that enables financial institutions to provide banking services via electronic channels including ATM/POS, internet, mobile and SMS and offers customers a secure access to banking services anywhere and at any time.

Features & benefits

Rubikon e-Banking helps you turn your e-banking into improved customer engagement and ultimately new sales:

Reaching customers everywhere, anytime – With your services available on any channel and accessible anytime, you can interact with your customers in a proactive manner, meet their expectations and thereby increase loyalty and sales.

Knowing your customers –With areal-time view into customer relationships, you are able to deliver a personalized user experience. Rubikon e-banking helps you understand consumer behaviour and the changes needed for service improvement and new sales.

Virtualisation of branches -Improved customer experience by providing an omni-channel experience which includes assistance through phone, chat and messaging solutions thereby leading to the transformation of physical branch offices into digital services.

Reduce time to market – Built on open platform, it offers a high degree of scalability and helps you extend your product portfolio and targeted services for your customers with shorter time frames.

Rubikon Treasury

Scalable front, middle and back office solution

Rubikon Treasury provides integrated front, middle and back office core banking functionality to meet the needs of today’s treasury operations.

Rubikon Treasury is a web based service-oriented treasury, securities & derivatives solution with comprehensive STP front to back office capabilities, cross-product processing of a wide range of financial instruments. In an integrated system, it can process simple and complex derivatives, fixed income, and equity and treasury trades. Rubikon Treasury system encompasses all characteristics of a bank’s treasury operations including FX & MM- from deal capture and confirmation, settlements and accounting.


Mitigate risk –Rubikon Treasury helps you comply with regulations and to be fully compliant.

Reduce cost – Rubikon Treasury helps you reduce transaction costs, increase operational efficiency and is low in cost to deploy.

Quick-time-to-market – Rubikon Treasury integrated and flexible system enables banks to adapt quickly to demands and new regulations. 

Rubikon Mortgages

Rubikon Mortgages delivers a solution that is rich in functionality and highly scalable, providing business and technology users with a lending system that is adaptable, efficient, and configurable to meet your specific needs. Rubikon Mortgages supports the complete spectrum of lending and credit – including mortgages, current and savings accounts, term deposits, leasing and hire purchase -from a wide variety of channels.


If you’re looking for a microfinance solution that offers rich business functionality, agile technology and low cost of ownership, Orbit-R is the right solution for you.

Orbit-R is configured for the specific requirements of MFI’s wanting to provide sophisticated products and services to a wide range of customer categories in a cost-effective manner.

Testimonies received from our clients show that they have become more effective in the way they handle their operations and have increase their performance soon after implementing Orbit-R.

Microfinance institutions can quickly implement Orbit-R, and then enable more modules and capabilities to build out their business over time.

Orbit-R Key features & benefits

Integrated workflow – Orbit-R workflow management is integral to all its modules to provide a complete and automated control of operations

Integrated CRM functionality – Orbit-R comes with integrated customer and case management capability enabling MFI’s to create a customized, rich and differentiated value proposition to their customers

True 24X7 non-stop banking, eliminating the end-of-day batch processing – Orbit-R provides a seamless transition from one day to another without having to stop bank operations, offering a 24/7 availability to customers

Integrated delivery channels – Orbit-R multi-channel architecture ensures the customer has a consistent and smooth experience whatever the channel used: branch, ATM, internet, mobile, e-banking, IVR, SMS or POS

Customer-centric – Orbit-R offers a unified, real-time view of the MFI’s customer across all channels and products

Regulatory compliance – Orbit-R supports a comprehensive risk management system and anti-money laundering module

Future-proof – Orbit-R is based on the latest technology, making maximum used of the benefits of the web can bring to businesses. New products, modules can easily be added as required in order to meet changing markets or new requirements