Commercial banks
Phased replacement of core banking modules without stopping operations.
- Product builder and loan pipeline
- General ledger and double-entry
- CBU regulatory reporting
Platform for banks and microfinance organizations
Build banking
products. Launch them in days.
Fintral is a platform for banks and microfinance organizations. It brings products, customers, lending, operations, accounting, compliance and regulatory reporting together in one platform.
- No multi-year implementations
- No constant dependence on developers
- No fragmented systems
For banks and financial institutionsUzbekistan · Central Asia · Other regulated markets
Your current infrastructure
- Core banking
- Payment systems
- HUMO / UZCARD
- CRM
- KYC / AML
- Accounting
- Other systems
FintralIntegrates.
Extends.
Creates
opportunities.
Extends.
Creates
opportunities.
Loans
Deposits
Islamic finance
BNPL
Cards
Insurance
Corporate products
Regulatory reporting
One platform. More possibilities.
up to 5 daysto launch a product
60%+lower operating costs
3xfaster time to market
100%regulatory compliance
From ideas to impact
Built for financial infrastructure
Platform
A bank doesn't need another system.It needs one system that works like a bank.
Fintral connects core banking processes into a single operating environment. One logic. One source of data. No gaps between systems.
Learn moreCustomer
Product
Application
Decision
Transaction
Ledger
Reporting
One logic. One source of data. One bank.
FINTRAL CORE
A single core
for every banking process
- Channelsweb, mobile, branches, API
- CustomersCRM, KYC, segmentation
- Productsloans, deposits, cards
- FINTRAL COREOperating and accounting model
- Operationsloan pipeline, payments
- Accountingdouble-entry, EOD
- ComplianceAML, PEP, sanctions
- Regulatory reportingCBU, reporting forms
Fintral Core
One core. The full lifecycle of a banking product.
Every action in the system is tied to a product, a customer, an operation and the ledger. Disbursing a loan immediately creates the postings, provisions and regulatory report lines. No exports, no reconciliations.
- A single operating model
- Flexible, scalable architecture
- Integration-ready: UZCARD, HUMO, KATM, government services
- Meets Central Bank of Uzbekistan requirements
How it works
From idea to a workingbanking product
Fintral lets you launch new products quickly, safely and without complex development. You define the business logic, and the platform takes care of the infrastructure.
Faster to market3–5×
Launch products in days, not months, fully compliant with regulations.
-
01
Idea
Define the product concept and target audience.
- Market and demand analysis
- Defining the target audience
- Choosing the product type
-
02
Configure
Set the product's parameters, rules and terms.
- Flexible tariff setup
- Segments and limits
- Rules and restrictions
- Fee configuration
-
03
Validate
Check the product against every requirement.
Risk and scoringCompliance (KYC / AML)Legal reviewFinancial model- Automated risk checks
- Regulatory compliance
- Financial model review
- Testing in a limited environment
-
04
Launch
Publish the product to the right channels and scale.
Product
launchedMobile appInternet bankingBranchesPartners (API)- Publishing to channels
- API connectivity
- Monitoring and analytics
- Scaling to new segments
Implementation
Roll out step by step.Without stopping the bank.
Fintral connects to your existing infrastructure and gradually replaces individual processes and products. You decide the order and pace of the rollout.
We keep your infrastructureWorking systems stay as they are
A flexible approachYou choose where to start
No riskParallel run and phased transition
-
01
Connect
We integrate with your current infrastructure
Your current system- Core banking
- Payment systems
- HUMO / UZCARD
- CRM
- KYC / AML
- Other APIs
-
02
First product
We launch one product on Fintral
For example:Consumer loan- Application
- Scoring
- Decision
- Documents
- Disbursement
-
03
Expand
We gradually add new products
- Loans
- Deposits
- Islamic finance
- BNPL
- Cards
- Insurance
- Corporate products
-
04
Process automation
We move the key operational processes
- Risk and scoring
- KYC / AML
- Compliance
- Contracts
- Payment processes
- Regulatory reporting
- Analytics
-
05
Unified platform
Fintral becomes the bank's core platform
FINTRAL- Products
- Customers
- Risk
- Operations
- Compliance
- Reporting
Your bank today
CoreCRMPayments KYCLedgerOther systems
FINTRALPHASED
INTEGRATION
INTEGRATION
New products
Automation
Unified platform
Business growth
Your bank tomorrow
Products
What can you launch?
A complete set of banking products on one platform.
Consumer loans
SME loans
Corporate finance
Deposits
Cards
BNPL
Islamic finance
Microfinance
Insurance products
Custom products
Your next banking product may already be inside Fintral.
We'll show the platform on your bank's scenario in 45 minutes.
Request a consultationWho it's for
One platform for different financial institutions.
We match the set of modules and the rollout order to the institution's scale and goals.
Digital banks and fintech
Fast product launches through APIs and digital channels.
- APIs for mobile and web channels
- Online onboarding and KYC
- Launch a product in days
MFIs and pawnshops
A ready lending setup without a large in-house IT team.
- Loan pipeline and KATM-based scoring
- Cloud or on-premises deployment
- Reporting for the regulator
Islamic finance
Products based on Islamic finance principles, in the same core.
- Murabaha and other products
- Separate accounting and reporting
- Shared customers and channels
About
Fintral by WOOX
We are WOOX, a technology company from Tashkent. We build Fintral as a banking platform for Uzbekistan and Central Asia, designed around central bank requirements, the national payment infrastructure and the real processes of banks and microfinance institutions.
Our goal: a bank launches products and changes its processes on its own, without multi-year projects or dependence on a vendor.
WOOX websiteIn-house developmentOne team in Tashkent develops, implements and supports the platform.
Central Bank of Uzbekistan requirementsRegulatory reporting, KYC/AML and compliance are built into the platform, not bolted on.
National infrastructureIntegrations with UZCARD, HUMO, the KATM credit bureau and government services.
Deployment of your choiceIn the bank's secure environment or in the cloud, depending on the institution's and the regulator's requirements.
Resources
Frequently asked questions
Can Fintral fully replace our core banking system?
Yes, but not all at once. Fintral first connects to your current core system and launches the first products, then takes over processes, accounting and reporting. The full transition is phased and the bank keeps running throughout.
Where is the data hosted?
Banks usually deploy Fintral on their own premises, as the regulator and data-storage rules require. For MFIs there is a cloud option with a dedicated server for each institution.
How long does it take to launch the first product?
Configuring a product in the builder takes days. We estimate the time to connect to your infrastructure after the demo and a review of your current systems.
How is pricing structured?
There are two models. License and implementation: per module or as a full package. Subscription: a one-time implementation fee, an annual platform fee and a charge only for successful applications, with no charge for rejected ones. We prepare an exact quote after the demo.
How does central bank reporting work?
Central bank report forms are assembled from platform data, from the same postings and transactions. No separate exports are needed. Prudential ratios are calculated from general ledger data.
Request a demo
We'll show Fintral on your bank's scenario.
Leave your contacts and we'll agree on a time and run a demo on your products and processes.
- A 45-minute platform demo
- A phased rollout plan for your infrastructure
- Pricing for the modules you need
For banks, MFIs and other financial institutions in Uzbekistan and Central Asia.
Or email us: info@woox.uz