Build the deposit products your market actually wants, and launch them without waiting.
Current accounts, savings, e-wallets, term deposits, group savings, multi-currency accounts. Every product type your institution offers, on one configurable engine. Set the rules, the rates and the terms yourself. Launch in days, not quarters. Adjust as the market changes, without a vendor ticket.
Funding that funds growth.
Deposit products are the foundation of the customer relationship. The institution that holds a customer's salary account has a privileged position, daily visibility into their financial life, a first-mover opportunity for credit products, and a retention advantage that is very difficult for a competitor to displace.
But building competitive deposit products in emerging markets requires a specific kind of flexibility. The salary earner in Lagos wants a current account with real-time salary notifications and mobile wallet integration. The rural cooperative member in Mindanao needs a group savings account that tracks individual contributions. The urban professional in Jakarta wants a term deposit with competitive rates and instant maturity notifications.
These are not the same product. Institutions that need to go through a vendor release cycle every time they want to add or adjust a product type will always be behind the institutions that can configure it themselves.
One configurable engine. Every deposit product.
Every product type on one engine
Current accounts, savings, e-wallets, fixed-term deposits, recurring deposits, group savings, multi-currency accounts and escrow accounts, all configured on the same engine, with the same operational infrastructure, posting to the same real-time ledger. Adding a new product type is configuration, not implementation.
Flexible interest models
Tiered rates, promotional rates with defined start and end dates, time-bound rate changes and deferred interest models, all configurable without code. Run a promo rate for a month, introduce tiers for larger balances, respond to a competitor's move.
Automated maturity management
Term deposit maturity events, rollovers, payouts, notice periods, early-withdrawal penalties, automated end-to-end. Operational efficiency that scales with portfolio size rather than requiring proportional headcount growth.
Group savings and cooperative accounts
Built-in support for cooperative savings models, group accounts with member-level tracking and solidarity group structures. The product infrastructure financial institutions serving cooperative and MFI bases in the Philippines and Nigeria specifically need.
Granular holds and limits
Block accounts, place holds on specific balances, set transaction limits by amount, channel or frequency, all configurable at the account or customer level. Compliance holds, regulatory freezes and operational blocks all handled through the same controls framework.
Configure, don't code
New deposit products, pricing changes and product adjustments are made through configuration, not custom development, not a vendor release cycle. When a competitor launches and you need to respond in days rather than months, this is the difference between winning and watching.
Deposit data is AI fuel.
Deposit behaviour is among the richest data sources for customer intelligence in banking. Balance trajectories, deposit frequency, salary arrival patterns, withdrawal behaviour before payday, all of it tells a story about a customer's financial health, their credit capacity and their likelihood of churning.
On Oradian, this data flows to Database Access in real time, available to your analytics teams, AI models and product teams without touching the production system. Churn prediction. Credit models that use salary arrival consistency as a creditworthiness signal. Personalised engagement triggers when a customer's balance pattern suggests they're ready for an upgrade.
The deposit module is not just a product feature. It is a data asset that compounds in value as your AI capabilities mature.
Deposit products your customers grow into.
Savings, e-wallets, term, current and goal-based deposits, composable, real-time and regulator-ready.
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