F2B Payments

F2B Payments

A perfect response to launch new banking activity for neobanks or payments actors.

F2B Payments includes a series of Front to Back components combining account management and payment functionalities both for traditional and online banks , and offering basic services for new banking players in a “neobank” approach.

Complete, integrated and modular, the F2B solution can be deployed flexibly to support the goal of rapid deployment.


Client management

The purpose of the Clients module is to introduce and manage the identification data of any person contacting the Bank. They may be natural persons (individuals or professionals) or legal entities. You can find customers, third parties (non-customers) or prospects. In addition, group clients may be created to establish relationships between natural and / or legal persons.

The introduction and updating of this data is broken down into general information managed in the basic module and more specific information or processes managed by specialized sub-modules:

  • Relationship Management
  • Address management and sending instructions
  • Centralized management of customer documents (consultation, reprinting, follow-up, ...)
  • Event management

The client's global consultation (also known as the "360 ° view") allows, from a single menu item, to view not only all information about a customer's assets and means of payment, but also its credits , Transactions in progress, statistics on movements on its accounts, all its data signage, relations, ...

All the information that can be captured at the client level (and depending on the category and type of client) is rich and allows us to comply not only with the basic requirements for identification but also with advanced knowledge requirements Customers, reporting and segmentation. Similarly, the ability to record alerts and events at the client level allows proactive monitoring and management of business actions, for example.

AML features allow you to set up suspicious transactions and view them as alerts. Apart from managing the black-list, it is also possible to manage white-list as well as define special monitoring for clients.

A set of functions allows the user to detect and reactivate dormant clients, that is to say, customers with products on which there has been no movement for some time.

Account management

The Accounts module allows the management of all the accounts of a customer.

In the Accounts module, in addition to a series of general functions (account opening, advanced consultation, summary of movements, ...), the following sub-modules are available:



The account opening workflow was designed to support an integrated account opening approach through the following steps: choosing the type of account, determining mailing instructions, setting mandates and signing authority and possible changes in tariff conditions, possibility of creating a web subscription or adding the account to an existing subscription.

The interest calculation sub-module allows you to activate different interest and fee components at the account type level:


Interest is deducted monthly or upon request. The Interest calculation sub-module also includes simulation and justification of interests and fees.

The various taxes (withholding tax, tax stamps, VAT, etc.) are calculated and booked according to the characteristics of the incumbents, the type of account and the type of interest or expenses component. The necessary information (basis of calculation, rate, single reference, ...) shall be entered in the account statements.

Rates and interest and fee components amounts are managed through the Tariff sub-module. By default, each component follows a general rule;but it is possible to specify a particular condition for a given account. The rate conditions shall be fixed by a percentage of a reference rate, with a margin.

The application for account closure is managed by the application: the system checks whether the closing conditions are met, calculates an interest statement and allows the transfer of any credit balance to another account.


Different modules make up the field Payments:

  • Management of SEPA payments
  • International payments management (via SWIFT)
  • Management of internal transfers
  • Management of standing instructions

SEPA credit transfers can be introduced either on a unitary or a batch basis (with the possibility of encoding group lots with the same originator account for different beneficiaries or multi-client batches) or by Automated support for files delivered via a Remote Bank channel (PAIN files).

At the level of SEPA direct debits, core (B2C) and B2B schemes are fully supported by the application, both for passive and active sampling. The following functionalities, derived from the European Payments Directive (PSD), are part of the standard SEPA direct debit offer: reject / refusal, refund / return, this is allowed - case of diagram B2C).

The standing instructions are SEPA-compliant and allow different options: fixed amount or minimum balance account (possibly in combination with minimum and maximum amounts), different periodicities, possibility to suspend temporarily or recurring, indefinite or fixed, possibility To use structured communications, free communications or semi-automated communications (example: in combination with a date).

Document Management

This module is called and used by all the application's business modules within which a document management is required. By documentary management we mean: the generation of documents with barcode (PDF format), scanning (for example of signed document) and archiving.  It is possible at any time to consult the latest version of the document as well as to request the generation for reprint.

This module also offers the possibility to search all the documents according to different combinable criteria (per user, per customer, by document type, by document status, by date, by period, ...).