BankerTransact replaces your legacy core with cloud-native infrastructure, compliance built in, and a unified customer view — without the $20M price tag or the 5-year migration. Now with SWIFT Gateway, DFAST Stress Testing, Capital Planning, LCR, Treasury Management, FTP, Trade Finance, and more.
From SWIFT wire processing to Basel III capital ratios to Zelle P2P — every module is production-ready on day one, woven into your existing workflows with compliance instrumentation built in.
Per-tenant enablement with 6 processor options (Fiserv, Jack Henry, Alacriti, CO-OP, Velera, Direct EWS). Real-time enrollment lookup, send/request money, saved recipients, fraud threshold controls, and a full audit log. Customer self-service at /portal/zelle.
8 real-time KPI cards, 12-month trend charts, loan pipeline funnel, deposit mix breakdown, and NPA tracker — all in one view. Gives every banker the executive summary they've been waiting for without a separate BI tool.
9 document types generated on demand: Promissory Note, TRID Loan Estimate, TRID Closing Disclosure, Grace & Payment Reminder, Default Notice, Commitment Letter, Truth-in-Lending, Amortization Schedule, and Loan Agreement Summary. PDF export to R2.
Same-Day ACH and standard 1–3 day transfers to any of 160+ US banks via routing number autocomplete. Customer-facing portal tab + admin approval queue. Full NACHA return code handling (R01–R29) with automated fund restoration.
Self-service app registration, 10 OAuth 2.0 scopes, sandbox explorer with live API proxying, full documentation, and webhook explorer. Banks can open their platform to fintech partners without any IT involvement.
End-to-end dispute management: representments, network case tracking, Visa and Mastercard reason codes. Staff queue with full timeline, document upload, and resolution workflow. Reduces dispute labor by eliminating manual tracking.
Cash positioning dashboard, Zero Balance Account (ZBA) automation, notional pooling, and 10-day liquidity forecast. Gives your treasury team the intraday visibility that used to require a $200K treasury workstation.
Curve editor across 13 maturity buckets (Treasury/SOFR), bulk rate assignment, NMD behavioral assumptions, and 4 analytical reports — NIM P&L, Rate Assignments, Margin Contribution, Rate Sensitivity (±200bps). Regulatory-grade transfer pricing in minutes.
Basel III compliant. HQLA register with L1/L2A/L2B haircuts, 30-day cash flow projections, stress scenario modeling (base/±10%/±20%), and ladder view. Built-in reporting for examiners. Demo bank running at 363% LCR.
Baseline, Adverse, and Severely Adverse scenarios per Fed guidance. Capital ratio projections across CET1, Tier 1, Total Capital, and Leverage. Board-ready PDF export. Turns a multi-week exam prep exercise into a one-hour click-through.
Basel III Standardized Approach: residential 35–50%, CRE/C&I 100%, consumer 75–100%, HQLA 0–50%, OpRisk 15%×3yr. CET1, Tier 1, Total Capital, and Leverage ratios. 5-year capital projection with CCB and FDICIA buffers.
Cash replenishment scheduling, 7-day forecast, CIT vendor tracking, cassette-level inventory, and transaction monitoring across your fleet. Replaces the spreadsheet your branch ops team pretends is a system.
Full UCP 600 lifecycle: Application → Pending → Active → Drawing → Closed/Expired. MT700/MT707/MT750/MT754 SWIFT message generation, banker's acceptances, 5-banking-day document review (Art. 14), and 4 analytical reports.
MT103 outgoing wires, MT202 cover payments, correspondent banking with BIC validation, nostro/vostro account management, FX and charge type handling (OUR/SHA/BEN), and a daily batch queue. SAG/SIPN-ready pluggable design.
ISO 20022 message handling, 450-line fraud engine (velocity, daily cap, large-value, BSA $3K/$10K), FedNow and TCH simulation, GL posting, and webhook notifications. Instant credit transfers with sub-second settlement.
Community banks are running 30-year-old infrastructure in a world that moves in milliseconds. The cost is measured in lost customers, stalled growth, and compliance exposure.
Jack Henry, Fiserv, and FIS control 74% of the market. Switching costs are designed to keep you paying — forever. Average core contract runs 7–10 years with automatic renewals your bank didn't notice. Every time you want a new feature, you're negotiating against a vendor who already has your money.
Regulators move fast. Legacy cores move slow. Basel III, DFAST, LCR — your legacy core treats these as "future projects." BankerTransact shipped capital planning, stress testing, and liquidity ratio modules built for examiner review. Compliance doesn't wait; neither do we.
End-of-day batch processing means your customers see yesterday's balances. Your loan officers and deposit teams work in different systems with no shared view of the customer. Meanwhile, your fintech competitors close accounts and approve loans in minutes. Your bank is losing ground every day you run on batch.
Not a legacy core wrapped in a cloud veneer. BankerTransact was built on modern infrastructure — no on-prem servers, no end-of-day batch, no disaster recovery drills that take all weekend. 99.99% uptime SLA. Auto-scaling. Real-time transaction processing. The infrastructure your bank should have had a decade ago.
99.99% uptime SLABSA/AML, OFAC screening, FFIEC call reports, DFAST stress testing, Basel III LCR, Capital Planning, IRRBB, and ALLL/CECL are woven into every workflow — not separate modules you pay extra for. Regulators change requirements. Our compliance layer updates automatically.
BSA/AML · DFAST · Basel III · FFIECLoans, deposits, transactions, Zelle, and customer history in one place — in real time. Your loan officer sees the same customer record as your deposit team. Relationship banking requires knowing the customer. BankerTransact gives every banker a complete view without switching between three systems.
Real-time, cross-moduleMonth-to-month pricing. Full historical data export anytime — no artificial time limits, no data hostage fees. Developer Portal for your own integrations. Open Banking API (REST v1 + OAuth 2.0 + Webhooks) with 10 scopes. Leave whenever you want. We're confident you won't.
Month-to-month · Full export · Open APIEvery module ships with role-based access controls, audit logging, and compliance instrumentation built in. No integration partners. No add-on pricing. One platform.
We're not the first to say legacy cores are broken. But we're the first to price and deploy for the bank that can't absorb a $20M migration — with 60+ production-ready modules on day one, including SWIFT, DFAST, LCR, and Capital Planning that competitors sell as expensive add-ons.
| BankerTransact | Fiserv | FIS | CSI | Jack Henry | |
|---|---|---|---|---|---|
| Pricing model | Flat monthly SaaS, transparent | Per-txn + integration fees | Enterprise custom, high TCO | Per-txn + modules | Per-txn + seat fees |
| Contract length | Month-to-month | 5–10 year | 7–10 year | 5–7 year | 7–10 year |
| Implementation | 60–90 days | 12–24 months | 18–36 months | 9–18 months | 12–24 months |
| Technology foundation | Modern cloud-native core | Multiple disconnected legacy platforms | Dated enterprise stack | COBOL foundation | Legacy COBOL/core systems |
| API-first + Developer Portal | ✓ REST/OAuth 2.0 + self-service | ✗ limited, high integration cost | ⚡ varies by product line | ⚡ REST/SOAP mix | ✗ consultant-dependent |
| DFAST / Basel III / LCR built in | ✓ all included | ⚡ expensive add-on | ⚡ separate risk platform | ✗ third-party integration required | ⚡ partner product, extra cost |
| Real-time payments (FedNow/RTP/SWIFT) | ✓ all three rails | ⚡ FedNow only, via add-on | ⚡ RTP via partner | ✗ limited availability | ⚡ phased rollout |
| Compliance built in | ✓ included | ⚡ add-on per system | ⚡ add-on, slow updates | ⚡ partial | Slow regulatory response |
| Vendor lock-in | Full data export anytime, no lock-in | High — proprietary ecosystem | High — enterprise complexity | Moderate — proprietary stack | High — expensive switching costs |
| Data portability | Full historical export, no time limits | Restricted, fees apply | Enterprise contract required | Limited formats | Extraction fees, slow turnaround |
| Verdict | Best for community banks | Platform sprawl, lock-in | Enterprise complexity, high cost | Dated UX, COBOL core | Highest cost, slow upgrades |
We'll walk you through a live demo built on real data from a bank like yours — loans, deposits, compliance workflows, SWIFT wires, stress tests, and the unified customer view. No slides, no generic screenshots. Actual software across all 60+ modules.
We'll reach out within one business day to schedule your session.