Consumer, business and trade banking

Formerly P3

Consumer, business and trade banking on one platform.

StageMachine Banking brings the banking components we have run in production for years onto StageMachine Enterprise, so banks can launch digital services quickly next to their existing core, with every request, exception and approval run as a case.

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Modules

Consumer, business and trade banking that runs next to your core, as cases with Stagebots.

01

Consumer Banking

E-onboarding and digital identity, biometric login, A2A and P2P transfers, bill payments and top-ups, savings, multi-currency, lending, card management, limits and spending overviews.

02

Business Banking

Payments, collections, payroll and bulk payments for corporate and SME customers, with approval matrices in StageContracts.

03

Trade Banking

Trade finance workflows such as letters of credit and guarantees, with trade documents checked by Stagebots and decisions kept with people.

StageMachine Banking runs alongside your core system of record. The core stays in place while digital, payments and AI workflows run on StageMachine.

The model behind Banking

Stagebots in StageMachine Banking run on a dedicated StageIntelligence model.

StageIntelligence for Banking Indicative

Model superpowers: how this model is tuned for its mission. Draft list, subject to change.

  1. 01
    KYC and onboarding

    Extracts and checks identity, company and ownership documents.

  2. 02
    Credit analysis

    Summarises financials, cash flows and risk signals into a draft credit memo.

  3. 03
    Regulatory fluency

    Tuned on central bank, AML and sanctions rules for each market.

  4. 04
    Trade document checking

    Compares LCs, invoices and bills of lading to find discrepancies.

  5. 05
    Conduct-safe customer replies

    Answers within approved product terms and fair-treatment rules.

Today StageIntelligence models are enterprise-grade with zero data retention. Privately hosted models dedicated to each customer are rolling out. About StageIntelligence

Customer stories

Where the platform behind StageMachine Banking runs.

Soneri Digital banking app screens
Banking · Pakistan · 2020 – ongoing

Soneri Bank: digitalising a conventional bank

Soneri Digital, the bank's consumer digital bank, runs on our platform. Since 2021 we have been Soneri Bank's exclusive attached fintech and AI lab partner.

Read the story
PMEX logo
Banking · Pakistan · 2020 – ongoing

PMEX: a digital trade platform

For the Pakistan Mercantile Exchange (PMEX) we delivered platform work for digital trade, part of our 2020 programme of complete platforms for digital banking, trade, insurance and e-commerce.

Read the story

Works with

All products

Case-based workflow and operating platformFormerly StageMachine OS

StageMachine Enterprise

The core platform: cases, StageContracts, permissions, Backstage and Stagebots. Fiduciary decisions stay with people.

Explore Enterprise
General, life, claims and reinsuranceFormerly P3

StageMachine Insurance

General and life insurance, claims and reinsurance, from first quote to final settlement.

Explore Insurance
Cross-border, retail, online, cards and tokenisedFormerly P3

StageMachine Payments

Cross-border, retail and online, and card and tokenised payments, with every exception run as a case.

Explore Payments
Commerce, subscriptions and fulfilment

StageMachine Commerce

Ordering, subscriptions and fulfilment for venues, retailers, telcos and online operators.

Explore Commerce

Frequently asked questions

Do we have to replace our core banking system?

No. StageMachine Banking is designed to run next to your existing core.

Is this the P3 platform?

Yes. StageMachine Banking is the evolution of the P3 banking platform, now running on StageMachine Enterprise with Stagebots.

See StageMachine Banking in action.

Book a demo and we will show you how it runs for your team, with your brand.

Book a demo