How it fits together
Finline, and everything under it.
Start with the service that hurts most. Each one stands on its own, and each one shares its records with the others.
Service 01
Digital Banking
Customer-facing digital channels for onboarding, account views, service requests and notifications, on the same records and approvals your officers use.
- Digital onboarding
- Accounts and statements
- Service requests
- Notifications
Service 02
Transaction Management
Merchants, settlements and payouts, and branch liquidity in one view, so operations and treasury work from the same numbers.
- Merchant ManagementOnboard, verify and maintain the merchants you serve, with their terms, accounts and documents in one record.
- Settlements (Payouts) ManagementWork out what each merchant is owed, reconcile it against the transactions, and release payouts after approval.
- Cash Pool ManagementConsolidated liquidity across branches and accounts, 7- and 30-day forecasts, sweep and top-up recommendations for treasury to approve.
Service 03
Lending Management
Verified income, explained borrower profiles, portfolio risk and early warning on repayments, from application to final instalment.
- Bank Statement AnalystTurns months of statements into a verified income report for the loan file: salary, business inflows, obligations, flags.
- Borrower Profile PredictionBefore disbursement: the repayment behaviour to expect, an affordability band and suggested terms, with every factor explained.
- Finance Risk AnalystConcentration, counterparty and early-warning analysis across the book, written up as a memo with every number traced to its source.
- Repayment Pattern AnalystReads instalment histories to find who pays early, who slips, and the drift that precedes arrears, so collections act early.
Service 04
AI Powered KYC Automation
Guided onboarding interviews and document reading in Sinhala, Tamil and English, with every field confirmed by an officer.
Service 05
Process Automation
Document intake, data entry, approval routing, reconciliations and reports, automated end to end with people approving where it matters.
- Document intake
- Data entry
- Approval routing
- Reconciliations
One platform
They share more than a login.
One case file
A document read during onboarding is already there when lending, merchant checks or a digital request needs it. No re-uploads, no re-keying.
One confirmation model
Every service asks before it records. Approvals carry the officer’s name and time, so audit reads the same everywhere.
One handoff
Export as zip, send to verification, or push to core banking after a confirmation dialog: the same three doors on every case.
Start small
Deploy one desk, add the rest.
Most institutions start where the paperwork hurts most. Three common starting points:
ONBOARDING DESK
AI Powered KYC Automation
Branch and field onboarding in three languages, with a public upload link for customers.
CREDIT DESK
Lending Management
Faster loan files, explained decisions, earlier collections.
OPERATIONS & TREASURY
Transaction Management + Process Automation
Reconciled payouts, a daily liquidity position and fewer hours spent keying data.