Conspectus is a product of impactiive® — a firm of seasoned bank executives with 200+ years of combined experience inside financial institutions across emerging markets. We built the platform we always needed but could never find.
The platform through which the bank's dispersed data becomes one coherent truth — and your people become what they were hired to be.
"It is not that your people are incompetent. It is that they cannot see."
Your lending system holds one version of a customer's truth. Your treasury holds another. Your accounting assembles a third, weeks after the events that generated it.
Analysts, credit officers, CFOs — spending their capability on data assembly and manual reconciliation rather than the decisions they were hired to make.
Point AI solutions advise at the edges, without access to the ledger, the customer record, or the portfolio. The reasoning is invisible. The audit trail is absent.
Currencies, entities and accounting standards multiply manual reconciliations. The Group CFO reads a consolidated view assembled at month-end, not the institution in real time.
Conspectus encompasses lending, deposits, payments, treasury, accounting, finance and HR/procurement — plus compliance, risk, and internal audit — in a single unified model. One database. One source of truth. Every part of the institution visible from the same place.
Origination, underwriting, servicing, recovery
Watch on YouTubeAccounts, payments, cards, wallets
Watch on YouTubeLiquidity, FX, nostro/vostro, term deposits
Watch on YouTubeGL, period close, financial statements
Watch on YouTubeLive staging, risk-based pricing
Watch on YouTubeOversight from the same data layer
Watch on YouTubeBuilt on the same foundation
Watch on YouTubeCost, budgets, payroll controls
Watch on YouTubeConspectus is not a single-channel system with integrations bolted on. Every acquisition path, every way a customer accesses cash, and every way they reach the bank operates natively within the same platform — the same customer record, the same ledger, the same audit trail.
How customers enter the institution
Staff-assisted origination at a physical location. Full KYC, document collection, and loan structuring at the counter.
Loan officers visit customers on-site. The field review portal handles the complete workflow on a tablet, with offline-capable forms returned to the system on reconnection.
Registered partners originate applications on behalf of the bank. Commission accrual and settlement are tracked natively within Operations.
Customers self-apply through the bank's e-banking portal. KYC and face enrollment happen in-browser; the application joins the same origination pipeline as branch applications.
Acquisition landing pages carry channel parameters, enabling attribution tracking per source and per campaign.
A scannable QR code routes to the acquisition landing page with channel attribution pre-set. Deployable on physical collateral, signage, or digital placements.
How customers and the bank move money
Physical cash receipts and payouts at the branch. Cash-in-transit and reconciliation managed within Operations alongside digital flows.
Domestic and SEPA payment rails — AIPS, AECH — with real-time balance updates feeding back to the dashboard and accounting layer simultaneously.
Stored-value wallet for rapid disbursement and collection. Loan proceeds can be paid to a wallet and spent or transferred without a bank account.
Treasury manages accounts held at other banks. Cross-currency settlements and international transfers route through the nostro layer with full reconciliation.
Commission payouts and settlement to distribution partners flow through the same payment infrastructure, tracked separately per partner relationship.
How customers and staff interact with the bank
The full staff application handles every customer-facing task — account opening, loan servicing, payment authorisation, KYC updates — from a single browser-based interface.
The customer e-banking portal gives retail and business customers self-service access to accounts, payments, loans, and cards from any browser — no installation required.
The React Native mobile application handles KYC enrollment, face authentication, web-session approval, account monitoring, and loan tracking on iOS and Android.
For specific steps — contract signing, supplemental information, field reviews — customers receive a single-use link. No login required. The task is completed and the application advances automatically.
End-to-end credit management — from first customer contact to final repayment and, where necessary, recovery. Every stage runs within the same system as the customer's deposit accounts, treasury exposures, and IFRS 9 classification.
Stage 1 — Identity, KYC, face enrollment, preliminary risk scoring and PD estimate
Stage 2 — Income verification, collateral, AI document review, credit committee decision
Stage 3 — Contract generation, conditions check, disbursement gate
Servicing — Repayment schedule, balance tracking, restructuring, event log
Recovery — Delinquency queues, collection batches, legal pipeline
A complete deposit banking capability — current accounts, savings, time deposits, and card contracts — fully integrated with the lending record, treasury positions, and general ledger. Every transaction posts to accounting automatically.
Onboarding — KYC, identity verification, customer master creation
Account opening — Product selection, initial deposit, GL posting
Daily banking — Transfers, payments, card transactions with SCA
Self-service — Customer views balance, statements, and payment history via e-banking or mobile
Reporting — Statement export (CSV/PDF) on demand
A liquidity management centre built on the same data layer as the loan portfolio and accounting system. Treasury positions are live — not assembled from a separate system or overnight batch. The liquidity dashboard reflects reality as it happens.
Morning position — Open liquidity dashboard; review overnight nostro movements and cash position
Intraday — Monitor payment queues, FX executions, and limit utilisation in real time
Placements — Structure and book term deposit deals against available liquidity
Reconciliation — Match imported bank statements against nostro ledger
Reporting — Generate treasury reports for CFO and regulatory submission
A full general ledger with configurable accounting schemes that map business events — loan disbursements, repayments, deposit interest accruals, payment settlements — to GL postings automatically. Routine activity does not require manual journals.
Working day close — EOD processing; deposit interest accruals posted automatically
Treasury reconciliation — Nostro statements matched and variances resolved
Adjustments — Manual journals for provisions and one-off postings
Period close — Fiscal period locked; fixed-asset snapshot taken
Statements — Trial balance, balance sheet, and P&L generated and exported
Live credit risk classification and Expected Credit Loss computation — not a quarterly offline calculation, but an active component of every credit decision. The first core banking system to embed IFRS 9 ECL directly into the loan pricing workflow.
Borrower profile loaded — Full deposit history, existing facilities, prior staging captured
Facility structured — Amount, term, and purpose entered by relationship manager
ECL computed live — Probability of default, LGD, and EAD calculated for this specific exposure
Pricing recommended — Rate surfaced to reflect actual risk; manager can see the reasoning
Stage assigned — Facility enters the portfolio at the correct IFRS 9 stage from day one
Compliance and risk oversight built on the same data as operations — not assembled from exports or reported after the fact. Every control, limit, and segregation-of-duties rule operates on live data, in real time.
Identity controls — KYC gates, face biometrics, SCA step-up enforced at transaction
Access controls — RBAC permission codes, module guards, super-admin audit
Credit controls — Non-bypassable PD, DTI, and exposure limits at origination
AI controls — Policy gates on every agent action; confidence scoring and reasoning logged
Audit surfaces — Financial events, permissions, AI actions, and customer activity all separately logged
Internal audit in Conspectus has something that audit functions in most banks do not: direct, real-time access to the same data the business uses, without waiting for extracts, without relying on management summaries, and without the risk that the picture was assembled differently from what it reflects.
business_events — Every financial mutation; append-only; idempotency-keyed
agent_actions — Every AI decision with full reasoning and confidence score
permission_audit_log — Every access grant, revocation, and role change
customer_banking_audit — Login, SCA, payment, and session events
X-Request-ID — End-to-end trace across logs and metrics for any single transaction
Administrative and cost management integrated with the same accounting and budget layer as the rest of the institution. Procurement spend, vendor payments, payroll runs, and fixed asset management are not separate systems — they are modules within the same platform, posting to the same general ledger.
Purchase request — Staff raises PR against a budget line; system checks available budget
PO issued — Purchase order sent to vendor; commitment recorded against budget
Invoice received — Invoice matched to PO; discrepancies flagged for review
Payment executed — Vendor payment routed through the standard payment infrastructure
GL posted — Accounting entries generated automatically; budget variance updated
Conspectus is the destination — but every institution starts from a different place. impactiive® delivers fit-for-purpose, AI-powered solutions at whatever scope the institution needs today.
AI-native, full-stack core banking infrastructure covering every function — from origination to board reporting — across the full group, in one database.
Individual capabilities that work alongside your existing core — connected via REST API, built on the same data model as Conspectus. No rip-and-replace required.
Bespoke IT solutions designed and built by banking practitioners — findings from an institution analysis translated directly into working tools, in weeks not months.
Every subsidiary runs its own fully operational instance. The Group Head Office sees all of them as one — consolidated, real-time, without assembly. Group directives flow down the moment they are issued. Subsidiary results flow up automatically.
Every entity, every market, every currency position — in one real-time view. For the first time, the Group CEO reads the whole field at once.
Every subsidiary operates in its own language. Every workflow, document, and regulatory output is localised natively — no translation layer, no separate system per market.
Accounts, treasury, nostro/vostro and term deposits operate natively across currencies. FX exposure and concentration limits monitored centrally, in real time.
The same transaction is recognised under every applicable standard simultaneously. Your CFO receives IFRS financials. The regulator receives local GAAP returns. Same source, same moment, no reconciliation.
The only core banking system that incorporates risk-based pricing into the mainstream flow of credit origination — not as an offline calculation, not as a quarterly rate table, but live and integrated into the act of structuring a loan.
The moment a facility is being built, Conspectus generates its IFRS 9 Expected Credit Loss estimate for that specific borrower, at that specific point in time, incorporating their profile, the facility's terms, and the existing portfolio composition. That ECL feeds directly into the pricing recommendation.
Your relationship manager sees not what a static table suggests the rate should be — but what the actual risk requires it to be. One mechanism. One logic. Every exposure, every time.
The AI in Conspectus is the platform's nervous system — built in from the beginning, present at every process, every workflow, every decision point. Every agent operates under a mandate you define.
Agents observe, surface information, draft analysis — and wait. Staff perform every step unaided.
Agent drafts a recommendation. A human reviews, approves or overrides before any action is taken.
Agents handle defined cases autonomously. Edge cases and exceptions route automatically to staff.
Agent acts within policy limits, logs its reasoning, and notifies. Full escalation triggers built in.
Conspectus is designed for production banking environments. Every request passes through multiple independent checkpoints before any balance changes. Every deployment option preserves data residency, regulatory compliance, and operational control.
Twelve independent security layers — from network encryption to AI policy gates — protect every transaction. No single point of failure. No bypassing controls by role or confidence score.
Every money movement is written as an immutable business event before any balance updates. Staff cannot edit a balance directly. Corrections are new events. The ledger is the record.
Staff and customer-facing banking run as completely separate authenticated channels — distinct tokens, distinct origins, distinct rate limits. A problem in one channel cannot propagate to the other.
AI agents pass through the same policy gates as human operators. Non-bypassable credit and exposure limits apply regardless of agent confidence. Every agent action is logged with its full reasoning.
Business events, staff permissions, AI actions, and customer channel activity each maintain separate, timestamped audit surfaces. Every request carries a traceable ID across logs and metrics.
Stateless API tier scales horizontally. Idempotency keys prevent double-processing on retry. Connection pooling and health endpoints are built-in. The platform is designed to survive normal operational bumps.
Conspectus is cloud-neutral and runs as standard containers. You choose where it lives based on your data residency requirements, regulatory obligations, and IT environment.
The questions technology leaders ask before committing to a core banking replacement — answered directly.
tenant_id. Every authenticated session carries the same identifier in its token — so queries are always scoped to a single institution. Multi-tenant deployments share infrastructure but never share data. Group entities each run their own instance; the Group Head Office view is assembled from those instances in real time, not by mixing data in a shared table.
policy_gate_assert_allowed must clear before any financial side effect can occur. Separately, hard risk limits (maximum PD, DTI ratio, single-facility exposure) are non-bypassable settings in the system configuration: they apply regardless of who or what initiates the transaction, regardless of agent confidence score. Analytical agents read from a separate read-only data warehouse — they have no write path to the live ledger.
require_permission() checks — not as a UI-layer filter, but as a hard server-side gate. Permission codes map to specific operations (e.g. LOAN_BOOK, JOURNAL_POST). Every permission change is written to a permission_audit_log. Module-level toggles (e.g. enabling the customer e-banking or lending modules per tenant) layer on top of role permissions. Staff HR termination automatically deactivates linked user roles and sessions.
Idempotency-Key header (a client-generated UUID). The system stores this key against the business event. If the same key is submitted again — whether by a retry or a duplicate request — the original result is returned with no additional effect. Submitting the same key with a different event type returns a 409 IDEMPOTENCY_KEY_REUSE error. This is enforced in middleware and is not optional.
X-Request-ID header that appears across structured logs and metrics, enabling end-to-end trace reconstruction. There is no mechanism to silently overwrite a past event — corrections are new events.
/health endpoints are built in for SLO monitoring.
JWT_PREVIOUS_SECRET_KEYS for zero-downtime rollover. Production startup refuses to proceed if default secrets or wildcard CORS are detected.
Full-stack — lending, deposits, treasury, accounting, HR/procurement, compliance, risk and internal audit in one unified model. Not assembled by acquisition. Designed as a whole.
You describe your bank. Conspectus translates your exact operating model — your processes, your delegation of authority, your risk appetite — into its working architecture.
Every AI action is logged with its full reasoning. Accountability at a level that purely human processes cannot match, and that no previous generation of banking technology could offer.
The Group CEO reads the whole field — every entity, every market, every currency position — in real time, without assembly. The conspectus of the institution, finally achieved.
Book a 30-minute or 1-hour demo. Pick a time that works for you — we will come prepared.
Conspectus is a product of impactiive® — a firm of seasoned bank executives with 200+ years of combined experience inside financial institutions across emerging markets. We built the platform we always needed but could never find.