Pooya Credit Card System
Credit cards are a suitable tool for providing small loans to customers, controlling liquidity, and boosting the production cycle.
The Pooya Credit Card System, compliant with Islamic contracts (Murabaha) and the Central Bank’s guidelines, enables the issuance of credit cards with varying amounts and repayment periods to customers.
This system, with some of its features listed below, provides a complete cycle of online customer credit scoring, file formation, credit allocation, and card issuance.
- Ability to connect to Core Banking systems
- Support for common communication standards in the banking network for interfacing with other systems
- Customer information security using encryption devices (HSM)
- Use of profiling structure in defining credit accounts and the parametric nature of account definitions
- Capability to issue and send customer statements online via email, SMS, etc.
- Automated issuance of accounting documents
- Automated calculation of commitment fees
- Calculation of good credit rebate
- Ability to manage due debts
- Possibility of early termination