Discover what ION can do for you
Applications that cover a bank's requirements in its main business segments
- Investment: Customized and modular software solutions for the management of all investment areas, financial instruments, securities, listed and OTC derivatives, and digital wealth management.
- Channels: Platforms equipped with applications that allow multichannel management of business with customers.
- Lending: Full and integrated platform for the lending cycle management.
- Governance Systems: Solutions that cover all requirements of the banks referring to accounting, management control, remote controls, and integrated risk management.
- Payment Systems: Framework connected with main interbank payment systems (for example, ACH/Sepa, CSM, RNI, CLS, Swift, and so on) that allows financial institutions to process euro and foreign exchange payments.
Achieve cost efficiency, agility, automation, and time reduction with our solutions
In software solutions for Finance, we have a market share of 90% and over 20,000 users use our services. We provide cutting-edge solutions, that avoid heavy development investments and guarantees continuous evolution to obtain a strong reduction in operating costs.
Cost efficiency via savings on investments in infrastructure, automation of processes, and reduction of the necessary management resources.
Dynamic and agile solutions, designed to to adapt to any context in which they operate.
Modular solutions, with the possibility of extending services and features by adding appropriate ‘layers’ of applications.
Guarantee of regulatory compliance and minimization of timing to respond to changes.
Advanced rating-based model allowing banks to improve the efficiency of their business processes for quantification and managing credit risk. Enables better management of the capital absorbed against the credit risk. Validation for the use of AIRB Rating System for regulatory purposes is underway at Bank of Italy.
Offers all the benefits of advanced integration between traditional teller operations, back office, and CRM applications. Helps banks to organize and monitor the activities of its own sales network. Reduces operational risks, and simplifies and increases the security and speed of processes.
Helps banks increase the effectiveness of their sales actions to individual clients, or to specific customer segments, through multistep, multiwave, and multichannel campaigns. Supports the development and automation of proactive campaigns for clients more inclined toward a specific type of product/service or to a specific contact channel. The use of the product as a service is also foreseen.
Offers a powerful credit quality profiling engine that processes the bank client portfolio daily. Allows to apply the credit quality management policies defined by the bank and the operational decentralization of activities on the peripheral network with a timely performance verification.
An omni-channel digital solution that automates the entire life cycle of the individual wealth management and advisory service used through smart devices — computer, mobile, and tablet. Aimed both at the end client and promoter, it’s customizable through interactive and evolving widgets.
Intercepts the first irregularities of customers and helps activate risk mitigation. Warnings and payment reminders to the customers can be customized and parameterized, as well as the anomaly triggers. The scope of application of triggers can be defined according to the characteristics of the customer portfolio.
Manages Interbanking Corporate Banking products (CBI, CBI2, and access to online information) and the bank’s distinctive products and value-added services. Improves integration and efficiency of the bank’s internal processes. Supports any type of operations — multibank, multicompany, multicurrency within a multi-browser and multi-platform structure.
Covers all banking and online trading functions from the most basic to the most advanced, revenue and expense control functions, and more advanced natural language processing and balance aggregation functions. It allows proposals for the individual customer and integrates with the bank’s CRM offering an advanced and uniform user experience.
Analyzes income prospects and financial dynamics of companies through the evaluation of their financial statements. Based on possible scenarios, the solution can autonomously develop the prospective n-year financial statements of each company by integrating historical data with sector information.
The tool allows you to simulate the price of a lending transaction. The ‘target’ price of the transaction is built bottom-up, through the determination of a break-even spread that considers all the components of the operation to be remunerated, such as expected loss, cost of capital, cost of funding and operating costs.
Creates custom commercial offers to suit the customer. Increases the probability of realizing new sales through guided processes that prevent operational errors.
Perfectly integrated with the CRM applications, placing the customer at the center of the sales process, and providing operational, commercial and behavioral information.
Continuously and systematically analyzes the company data to identify anomalous phenomena, or potential areas of risk. Helps analysts to navigate system information, and to build advanced analysis views and complex performance indicators without requiring the intervention of ICT structures.
Offers bank’s customers and prospects the opportunity to purchase banking and financial products remotely, even on mobile devices, in totally digital, and end-to-end mode. Helps banks expand their customer network and implement upselling strategies offering the possibility of designing processes, with the same customer experience, for the sale of specific bank products.
Enables the bank to deliver innovative investment services through an additional distribution channel. Provides an automated consulting service for the bank’s retail clients who can operate in the self mode to subscribe financial products, monitor their position continuously, receive notifications of rebalancing of the portfolio, and make contributions or withdrawals of liquidity.
The system manages the matching, settlement, and clearing phase for all the trades, both in the Italian (Monte Titoli) and international (Euroclear-Clearstream) environments. Sends all the trading and clearing transactions negotiated on the various markets to the matching and settlement systems (Monte Titoli, Euroclear, Clearstream).
- Payment Systems