Finacle Banking System API | Generated by AI

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The Finacle Banking System API, provided by Infosys Finacle, offers a wide range of capabilities for banks and financial institutions. It enables seamless integration between Finacle’s core banking system and third-party applications, digital channels, and other financial services. The API provides functionalities across various banking domains, including:

Key Features & Functionalities of Finacle API:

  1. Customer Management
    • Create, update, and retrieve customer details
    • KYC verification
    • Customer relationship management
  2. Account Management
    • Open, close, and manage accounts (savings, current, fixed deposits, etc.)
    • View account balances and statements
    • Manage overdrafts and loans
  3. Payments & Transfers
    • Fund transfers (NEFT, RTGS, IMPS, SWIFT, UPI)
    • Bill payments
    • Bulk payments
  4. Loans & Credit Facilities
    • Loan origination, disbursement, and repayment
    • Credit scoring and approval workflow
    • Loan interest calculations
  5. Cards & Payments Processing
    • Debit & credit card management
    • Card issuance and PIN generation
    • Transactions and authorization
  6. Digital & Mobile Banking
    • Internet and mobile banking integration
    • Wallet and fintech integrations
    • API-driven banking for open banking initiatives
  7. Risk & Compliance
    • Fraud detection and monitoring
    • AML (Anti-Money Laundering) compliance
    • Regulatory reporting
  8. Trade Finance & Treasury
    • Letters of credit, bank guarantees, and trade transactions
    • Foreign exchange (FX) transactions
    • Treasury management
  9. Analytics & Reporting
    • Transaction insights and reports
    • Customer behavior analytics
    • Risk and compliance reports
  10. Open Banking & Fintech Integrations
    • Third-party service integration
    • API-driven open banking features
    • Real-time data sharing

Finacle API Deployment & Access

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