Islamic Finance Software
Comprehensive software for automating Islamic financial products in full compliance with Sharia law. The solution empowers financial institutions and banks to manage transactions, payments, and contracts while ensuring transparency and strict regulatory compliance.
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Automated issuance of Islamic financial products in full Sharia compliance.
Term & Condition Adjustments
Flexible calculation of deal parameters, including term modifications, participation shares, and payment structures aligned with Sharia principles.
Product Configuration
Design and setup of Islamic financial instruments such as Murabaha, Ijarah, Tawarruq, and others. Define rules, automated workflows, and task sequences.
Profit & Participation Management
Automated yield calculation, profit distribution between parties, and accurate recording of equity stakes in the transaction.
Supporting All Sharia-Compliant Financing Models
Flexible role configuration and access permissions for all employee categories.
Individual access policy for all staff members:
Full audit log of all employee operations and activities:
Comprehensive Customer Interaction History
Real-time Customer Chat Support
Integration with VoIP, Email, and SMS services
Flexible loan parameter calculation with the ability to modify terms and offer alternative financing options to the customer.
Design and configure credit products, defining business rules, automated workflows, and manual intervention triggers.
Automated interest and penalty accrual, payment recalculation, status updates, and automated system-wide task execution.
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The system generates over 25 reports covering key financial and operational KPIs. These reports help analyze process efficiency and support data-driven management decisions.
Support for integration with external BI platforms for data visualization, dashboarding, and in-depth business performance analysis.
Ensures automated data exchange with your accounting system, eliminating manual entry and increasing the accuracy of financial and tax reporting.
The system aggregates external and internal data sources for comprehensive borrower assessment, fully aligned with Islamic finance principles:
Integrations with banking and financial systems ensure accurate processing of all operations in compliance with Islamic financing agreements:
Repayment & Payout Accounting
CRM Capabilities
Maintain interaction history, automate communications, and integrate third-party services to enhance service efficiency and operational transparency.
Программное обеспечение подключено к множеству внешних источников данных, государственных служб, платёжных систем, лидогенераторов, рекламных и аналитических платформ, что обеспечивает удобный и непрерывный обмен информацией.
System Workspaces
Trusted by Leaders
We partner with top-tier financial and non-banking institutions delivering cutting-edge financial products and services.
Still have questions about the product?
It is a platform that automates financial products compliant with Sharia principles, that is, without an interest rate. The SPTNK solution helps banks and financial institutions manage transactions, payments, and contracts.
Murabaha, Ijarah, Tawarruq, Wakala, Musharakah, and Istisna.
The system automatically calculates the yield of a transaction, distributes profit between the parties, and records participation shares. Terms, shares, and the payment structure can be changed within Sharia principles.
The system brings together external and internal data sources: identity identification and verification, reliability checks, government and commercial sources, and open data.
Banks and financial institutions that launch Islamic financial products and want to manage transactions, payments, and contracts in a single system.
Through integrations with banking and financial systems: disbursement and allocation of funds, repayment and accounting of payouts, checking transaction statuses, and managing the flow of assets.