Rubikon

Rubikon, developed by Neptune Software Group, is a banking solution designed to optimize operational efficiency, enhance performance, and deliver improved customer service across all channels. According to the vendor, Rubikon offers a flexible framework that supports various banking functions, including credit applications, retail and corporate lending, loan origination, repayments scheduling, disbursement, delinquency management, collateral management, and more. Rubikon is intended for banks and fintech companies of all sizes and is utilized by professionals in the banking industry, financial technology sector, loan officers, microfinance institutions, and retail banking institutions.

Key Features

Loans: Rubikon provides a flexible framework supporting credit applications, retail and corporate lending. It includes features such as loan origination, loan set-up, repayments scheduling and rescheduling, disbursement, lifecycle and penalty processing, delinquency and past due management. Rubikon also offers functionalities for identifying non-performing assets, provisioning, customer and group limits monitoring, group lending, insurance and collateral management, and reporting. According to the vendor, all loan processing can be enabled and monitored through workflow and the externalized rules engine.

Microfinance: Rubikon's Orbit-R microfinance solution offers business functionality, agile technology, and low cost. It is designed to support larger microfinance institutions (MFIs) and provides a comprehensive range of microfinance functionality and support. The solution has been awarded a 4-star rating by CGAP, based on functional coverage and customer feedback. Orbit-R includes features for loan origination, repayment scheduling, group lending, insurance management, and more, according to the vendor.

Retail Banking: Rubikon is a comprehensive back-to-front office suite with integrated workflow. It offers features for retail banking operations, including account management, deposits, withdrawals, transfers, standing orders, and direct debits. The solution supports multi-currency and multiple languages, making it suitable for banks operating in different regions. Rubikon also provides reporting capabilities to monitor key performance indicators and track customer transactions, according to the vendor.

Treasury: Rubikon Treasury is a web-based service-oriented treasury, securities, and derivatives solution. It offers features for managing treasury operations, including cash management, liquidity management, risk management, and financial instrument trading. The solution provides real-time access to market data, enables straight-through processing, and supports compliance with regulatory requirements. Rubikon Treasury is scalable and can be customized to meet the specific needs of banks and financial institutions, according to the vendor.

Digital Banking: Rubikon's Digital Banking is a suite of integrated products that enable financial institutions to offer digital banking services. It includes features for online and mobile banking, allowing customers to access their accounts, make payments, transfer funds, and perform other banking transactions. The solution provides a seamless and user-friendly interface, ensuring a smooth customer experience across different digital channels. Rubikon's Digital Banking also includes features for personal financial management, allowing customers to track their expenses, set budgets, and receive financial insights, according to the vendor.

eQuiweb: eQuiweb is a core banking application delivered as a web-based application. It offers a functionally rich banking solution designed for microfinance banks and institutions. eQuiweb provides features for managing deposits, loans, general ledger processing, electronic channels, trade finance, and treasury operations. The solution is highly flexible and can be customized to meet the specific needs of microfinance banks, offering simplicity of operation and ease of use, according to the vendor.