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.
Multi-Currency Accounts
Arkam’s Digital Core Banking system enables banks to manage multi-currency balances with consistent controls across channels, operations and finance. The platform supports global account management, instant IBAN allocation, and account segmentation so institutions can scale cross-border propositions while keeping governance, reporting and auditability intact.
Global Account Management Across Currencies and Segments
Arkam provides a unified way to manage customer accounts that hold multiple currencies. Banks can operate multi-currency propositions without duplicating core logic across channels or back-office tools, ensuring balances, postings and customer views remain consistent.
Multi-currency balances under one relationship
(Single customer view, multiple currency positions)
Consistent posting and balance updates
So available balance and transaction history remain aligned across channels
Operational controls
For account status, limits and lifecycle handling, aligned with bank policy
Unified statements and reporting inputs
That support customer transparency and finance workflows
Instant IBAN Allocation at Onboarding and Product Upgrade
Arkam supports automated IBAN allocation as part of digital onboarding and account creation flows. The platform assigns identifiers according to the institution’s numbering scheme and governance rules—helping banks reduce manual steps, speed up activation, and keep controls auditable.
Automated IBAN allocation
when accounts are created through digital or back-office journeys
Rule-based assignment
aligned to bank-defined numbering logic and eligibility conditions
Workflow-aligned controls
so allocation can follow required checks and approvals
Traceable assignment history
supporting operations review and audit requirements
Account Segmentation That Keeps Control as You Scale
Segmentation ensures multi-currency banking remains governed as volumes grow. Arkam enables banks to segment accounts by product, customer type, geography or business line, and apply differentiated rules—without branching the platform or creating duplicate configurations.
Segmentation by Product, Segment, or Market
To support differentiated propositions
Policy-driven Controls per Segment
(Limits, eligibility, pricing applicability where relevant)
Operational Consistency
So segmentation rules apply across channels and back-office processes
Reporting Clarity
With segment-aware views that help monitor performance and risk
