Islamic Banker is a powerful, flexible and highly featured Windows-based Banking Application Software, supported by relational database capabilities - targeted to serve a high volume, multiple branch bank networks. It is designed with enough flexibility, considering the present as well as future requirements of a bank.

• Front Offices
• Islamic Inheritance
• Local & Foreign Remittances
• Islamic Treasury
• Islamic Trade Finances
• FDB(Purchase/Collection)
• Ijarah
• Murabaha
• IBTDR
• Salam Financing Online InterBranch Banking
• ATM Internet Processing
• Internet Banking

Islamic Banker is designed to cater Islamic mode of Banking in Online and Real-Time Processing network enviorment. It represents an unparalleled comprehensive transaction processing solution which addresses the Bank's evolving business needs while ensuring that it is a long term investment decision for the bank. Islamic Banker use a standard set of Windows based services that address the requirements of all tier of modern distributed applications vise. From a function perspective, Islamic Banker covers all the basic banking functions as well as provide the react to the flexibility of being able to react to changing needs swiftly and easily.

The modular architecture of Islamic Banker helps its user to choose modules as their requirements. The Core module covers the basic banking operation of a typical branch. A bank can always enhance services of a branch through different add-on modules as and when required basis, the head office modules can be added to consolidate the total operation of a bank in an easy way.

• Exclusively designed for Islamic Banks, and Completely Modular Design.
• Transaction Processing is in On-Line and Real-Time Mode, and Automatic Handling of Accrual and Profit Distribution.
• Integrates Products Based on Islamic Accounting, and Funding of advances accounting to Sharia'h.
• Maintain Relationship Between Assets and Liabilities. Complies with Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). Complies with International Accounting Standards (IAS).
• Integrates existing Banking Applications and provides Detailed Reports for Operation and Audit Purposes. Easy to use even complex, multi-step transaction are processed with minimum of efforts and keystrokes.
• Complete Customer Relationship Management. Straight Thorough Processing Capabilities. Extensive Reporting Capabilities. System Controlled, Internal Calendar, Complete and Full Daily Accruals.
• Hybrid: Centralized and Decentralized data, to ease the data consolidation from all of the branches and sub-branches. Parameterized, to ease the bank produce new products without any changes in the program, and secured as the system will log all of the activates being done by the user.
• Further Multiple levels of Authority protects the unauthorized users to use the system. Automatic Audit Trails, Multi-Branches and Multi-Bank Consolidation.
• The built-in comprehensive error-checking and security procedures of Islamic Banker helps in eliminating potential security risks and errors. On-Line, Parameter Driven Banker Controls, Data Encryption. It also provides multi currency functionality where the bank can maintain customer accounts as well as carry out various transactions in any currency.

Islamic Banker has a Hybrid database architecture in which each branch will have its own local application server and database. The database of all the branches are synchronized on a regular basis in a central repository. Each branch is linked over a Local Area Network (LAN). The various branches could be linked with each other through a TCP/IP connection, a Wide Area Network (WAN) or as required by the bank. Islamic Banker use a standard set of windows based services that address the requirements of all tiers of modern distributed application vise.
The Islamic Banker suite of modules can be implemented as a comprehensive system or each of the modules can be implemented individually on a stand alone basis to interface with other systems. Form a functional perspective, Islamic Banker cover all the basic banking function as well as provides the bank with the flexibility of being able to react to changing needs swiftly and easily.

All products of IslamicBanker are Sharia'h compliant specifically for Pakistan. Not only do these products follow the Sharia'h practices, they also adhere to the banking rules and controls. In order to achieve this we have worked very close with the reputable Sharia'h advisors of Centre for Islamic Economics (CIE).
This relationship will be mutually beneficial as well our future products will not only be Sharia'h compliant but also standardized. Similarly, the product development ideas and proposals we discuss with the bank will also be certified. Hence in the future, we will be providing consulting services to the banks with the option of launching new considerable amount of savings of time for the Islamic Banks.

• MUDHARABAH
• MURABAHAH (cost-plus sale)
• MUSYARAKAH
• SALAM
• ISTISNA
• IJARAH
• QARDH
• HAWALAH
• QARDHUL
• DOCUMENTATION
• WAKALAH
• KAFALAH (Guarantee)

• Core Modules
• General Ledger & Back Office functions
• Parameter Maintenance Module
• Account Maintenance Module
• Remittances Module
• Islamic Treasury Module
• System Security Module
• MIS Suite
• Mobile Banking Interface
• Outward Clearing Module
• Inward Clearing Module
• Islamic Trade Finance Module.
  - Imports Module
  - Exports Module
  - Export Refinance
• Daily Transaction Processing Modules
  - Cash Module
  Cash Module
  Real-Time Inter-Branch / Bank Module
  Real-Time Cash management Inter-Branch/ Bank Module
  - Transfer Module
  Internal Transfer Module
  Real-Time Inter-Branch/ Module
  - Outward Clearing Module
  - Inward Clearing Module
• Islamic Fixed Deposit Module
  -COII Module
  -MMC Module
  -TFC

  Corporate Finance Module

  - Home Module

  Diminishing Musharika

  Istisna/Diminishing Musharika

  Car Ijarah Module

  Islamic Advances/Investment Module

  - MURABAHA Module

  - Sample Murabaha

  - Master Murabaha

  - Forward Murabaha

  - Master Murabaha

• SmartLockers (Lockers Management Module)
• SmartAsset (Fixed Asset Module)
• Internet Banking Module
• Debit Card Interface
• Human Resource
• Customer Relationship Management
• ATM Interface Processing Interface
• ONLINE Inter-Branch Banking Interface
• Tele-Banking Interface
• Mobile Banking Interface
• SWIFT Interface, POS Interface
• Online Help Manuals
• Inventory Smart
• AgriSmart (Agriculture Financial Products)
• Documentation
  - User Manuals Module wise
  - Help Files Module wise

Full automation requires that all the operations of the bank should be in online real time mode and all the modules of the software should be integrated. This gives the management and overall control of the banks operations. Designed to offer functionality, power and flexibility, Islamic Banker enables a bank achieve higher teller productivity, more efficient service and greater profitability. Islamic Banker does more than just process information efficiently. Islamic Banker is designed to give banker greater control of their operation, to better serve customers and to increase revenues through new fee income opportunities. Islamic Banker gives bankers new tools to handle their operations, marketing, lending and management challenges. Islamic Banker is fully integrated so that all the applications work together, each aware of what the other is doing. This integration creates operational efficiencies, making it easier to move between applications and to consolidate customer information. design team believes that the most sophisticated system is the one that's simple to use. We want users to take advantage of all that Islamic Banker has to offer, so we work closely with end users to create features and functions that are easy to implement.
Islamic Banker Comprises a suite of integrated Retail Banking, Treasury, Corporate Banking modules making possible a single application framework, and most critically, an integrated approach to customer focused services and integrated risk management and accounting.

• Integrated Retail Banking
• Corporate Banking
• Consumer Finance
• Multi-Currency Accounting and Revaluation
• Multi-Branch Consolidation
• On-Line, Parameter Driven Banker Controls
• Menu Controlled, Tailored and Secured User Access
• Centralized User management Control
• Data Encryption. Automatic Audit Trails
• On-Line, Real Time Updating
• System Controlled, Internal Calendar
• Complete and Full Daily Accruals
• Centralized, Decentralized or hybrid Database Connectivity
• Separate Banking Component Subsystems
• User Defined Controlled Reporting
• Business Graphs & Charts (Visual Reporting)
• Dynamically Created Banker Driven Product Creation
• On-Line Signature Verification. Automated Teller Machine (ATM) Interface
• Bank Card Processing Interface
• Internet Banking Interface
• Telephonic Banking Interface
• MICR Interface

• Profitability
• Responsiveness
• Productivity
• Scalability
• Marketing
• Customer Relationship Management.Menu/Security
• Help
• On-line Bulletin Panels
• Parameter Driven, Multi-Bank/Multi-Branch Support.
• Report Scheduling