Composable Core Banking for Deposits and Financial Control
Arkam Core Banking unifies deposits, balances, FX, and controls in one flexible, cloud-ready platform — enabling real-time accuracy, faster launches, and smooth modernization without disruption.
Interest-Based Accounts
Arkam’s Digital Core Banking system supports savings and term-deposit products with configurable interest policies. Banks define accrual and capitalization rules at product level, and the platform executes them automatically keeping balances accurate, statements clear, and reporting consistent for operations and finance teams, without custom code for each variation.
Savings and Term Deposits, Built on One Deposit Engine
Design deposit products that match your strategy without rebuilding core logic each time and manage product behavior consistently across channels and back-office processes.
Savings and Term Deposits
Supported within the core account engine
Product Rules by Configuration
(Tenure, eligibility, basic lifecycle handling)
Consistent Posting and Balance Updates
Across customer and back-office views
Automated Interest Accrual and Posting
Arkam automates interest calculation based on the rules defined for each product. Interest accrual and posting are executed systematically reducing manual workload, improving accuracy, and ensuring the same logic is applied across every account.
Configurable Accrual Rules
(Define how and when interest accrues)
Automated Posting
According to product policy
Operational Controls and Traceability
To support audit and review
Interest Credit and Capitalization Aligned to your Policy
Different products require different treatment of earned interest. Arkam supports configurable interest crediting and capitalization behavior so banks can align deposit products with policy and customer expectations—while maintaining consistent accounting entries and statement visibility.
Configurable Capitalization Rules
(How earned interest is applied over time)
Clear Posting Events
So interest movements are visible and explainable
Controlled Behavior by Product
not by one-off customization
Rate Tables You Control at Product Level
Arkam enables banks to manage interest parameters through product configuration, helping teams adjust deposit offerings faster while keeping the underlying execution consistent and controlled.
Rate Configuration per Product
(And where applicable, by currency/tenure)
Centralized Updates
To keep changes consistent across accounts
Governed Change Behavior
That supports controlled rollout and review
Transparency for Customers, Auditability for the Bank
Arkam supports statement generation and traceable posting, so interest activity is clear to customers and defensible for internal governance. The platform keeps a consistent record of interest accrual and posting events, supporting operational oversight and reporting needs.
Statement Generation
With interest and fee visibility
Traceable Posting History
For audit and dispute handling
Reporting Readiness
For finance and operational review
Frequently Asked Questions
Short answers to how Arkam Core fits into your architecture, security model and roadmap.
No. Arkam is cloud-native, not cloud-only. You can deploy on regulated public clouds, private clouds or on-premises infrastructure.
Yes. A common approach is to deploy Arkam alongside your existing core and use it as a digital core for new products, brands or segments.
Specialized services across accounts, Our low-code product & workflow designer allows clients to configure & launch new or modified products in days or weeks, depending on complexity.