Unifyx CBS delivers a fully integrated banking platform spanning deposits, lending, general ledger, treasury, compliance, and digital channels — purpose-built for BSP-regulated rural banks, thrift banks, and cooperative banks.
Unifyx CBS consolidates all core banking functions into one integrated platform. Rather than managing disparate systems for deposits, lending, accounting, and compliance, your institution operates on a single source of truth — reducing reconciliation effort, operational risk, and total cost of ownership.
Designed specifically for the Philippine regulatory landscape, the platform incorporates BSP reporting standards, PSGC-based addressing, Philippine holiday calendars, and peso-denominated operations as foundational elements — not aftermarket additions.
From front-office teller operations to back-office regulatory reporting, every function is natively integrated within the platform.
Centralized management of Individual, Corporate, Government, In-Trust-For, and Joint account holders. Integrated KYC verification, BSP counterparty sector classification, and PSGC-based address management.
Savings, current, and time deposit account management with automated interest accrual, fee assessment, dormancy processing, passbook printing, on-us check deposits, and inter-branch transaction support.
Full loan lifecycle management including application processing, approval workflows, disbursement with net proceeds, ADA auto-debit collection, ECL provisioning (PFRS 9 Stage 1/2/3), and BSP loan classification.
Complete chart of accounts, automated GL posting rules, journal entry management, trial balance, income statement, and balance sheet generation with BSP FRP electronic submission.
AMLA-compliant anti-money laundering with transaction monitoring, watchlist screening, and automated CTR/STR generation. Cross-module approval engine with maker-checker controls and immutable audit trails.
Centralized or distributed operations across all branches with inter-branch GL posting, automated settlement batching, branch sign-on/off controls, and granular role-based access per branch.
All modules are production-ready and fully integrated. No third-party dependencies or separate licensing required.
Regulatory compliance is embedded throughout the platform architecture, ensuring your institution meets all BSP reporting obligations and AMLA requirements.
Financial Reporting Package with automated schedule generation and electronic submission export
Anti-Money Laundering Act monitoring with automated CTR and STR report generation
Centralized deadline tracking with submission workflow and compliance KPI dashboard
Immutable audit logging with field-level change tracking and maker-checker dual control
Unifyx CBS is built on a modern, open-standards technology stack. The platform avoids proprietary middleware and legacy runtime dependencies, ensuring long-term maintainability, talent availability, and deployment flexibility.
Browser-based interface with no client-side installation required. Accessible from any workstation or device.
Deploy on-premises, in a private cloud, or as a managed service. Infrastructure-agnostic with no vendor lock-in.
Server-sent events deliver live notifications, transaction monitoring, and instant inter-branch visibility.
JWT authentication, role-based access control, TLS encryption, and field-level audit logging.
Review of operations, chart of accounts, and regulatory requirements
System parameters, posting rules, products, rates, and branch setup
Structured migration with reconciliation and parallel run period
Cutover execution, staff training, and post-implementation hypercare
Comprehensive platform that scales from single-branch to multi-branch rural banking operations across the Philippines.
Treasury management, investment securities, and advanced lending features for broader financial capabilities.
Member-focused operations with dividend tracking, patronage refund management, and cooperative-specific reporting.
We welcome the opportunity to discuss your institution's requirements and demonstrate how the platform addresses your specific operational and regulatory needs.