Full platform
Core, channels, journeys, integration and operations as one turn-key delivery.
Microfinance companies, finance companies, new digital banks
For banks, microfinance companies and fintechs in the MENA region
Modular banking, from core to customer
neotra gives licensed lenders a core that launches a new loan or savings product by configuration, connects to CliQ, eFAWATEERcom and CRIF Jordan, and targets go-live in 12 to 16 weeks.
- < 1
- working day to launch a product by configuration
- 12–16
- weeks for the pilot
- 2
- languages on every screen and statement
- 0
- mandatory migration of the current book
What is neotra?
neotra is a modular banking platform: a core system of record for customers, loans, deposits and the general ledger, plus the channels, customer journeys, operations tools, integration layer and AI services an institution needs around it. Every module except card processing, AML monitoring and IFRS 9 provisioning is designed and built by the neotra team.
Three ways to buy
Choose the modules that close today's gaps, prove them on one product line or one channel, then extend.
Core plus selected modules
The core with the modules the institution chooses, for example mobile app and onboarding.
Fintechs, e-wallets and BNPL providers
Modules beside an existing core
A mobile app, onboarding, gateway or product engine connected to the bank's current core.
Established banks keeping their system of record
Why institutions choose neotra
01
One supplier for the whole stack, or one module
Core, mobile app, onboarding, gateway, operations console and payment reconciliation come from one team, one support contract and one set of APIs.
02
Products ship as configuration
Schedule, profit or interest method, tenor, grace, charges and the ledger accounts each event posts to are defined in the operations console. A second officer approves, and it is live without a code release.
03
Adoption without migration
Beside an existing core, the current book stays where it is. neotra starts with one product line or channel, posts a daily summary to the incumbent GL and reconciles at end of day.
04
Control that auditors recognise
Every command is checked against role permissions, can require a second approver, and is written to an audit trail with user, time and before and after values. Every posting is a balanced double entry.
05
Built for the local market
Arabic and English throughout, multi-currency accounts held to the smallest unit, central bank reporting extracts, and connectors to national payment rails, the credit bureau and the national digital ID.
Inside the platform
Connected to the local rails
Each connector goes live after sandbox certification with its operator.
- CliQ
- eFAWATEERcom
- CRIF Jordan
- ACH
- RTGS
- National digital ID
How an engagement runs
Discovery, 2 to 4 weeks
Modules, product rules, GL design, integrations, deployment option and the pilot's exit tests are agreed in writing.
Pilot, 12 to 16 weeks
The selected modules go live in a pilot environment with real rails in sandbox, then with a controlled customer group.
Production and extension
Further products are added by configuration and further modules by release, against the same exit tests.
Frequently asked questions
What is neotra?
+
neotra is a lending, savings and wallet core and modular banking platform for licensed financial institutions in the MENA region. It is a product of BRDG Studio in Amman, Jordan.
Who is neotra for?
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Microfinance companies, specialised finance companies, e-wallets, buy-now-pay-later providers, and banks that want to launch new products beside their incumbent core.
Do we have to replace our current core banking system?
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No. In product engine mode neotra runs beside the incumbent core. The current book stays where it is, and neotra posts a daily summary to the incumbent general ledger and reconciles it.
How long does go-live take?
+
Discovery takes 2 to 4 weeks, followed by a 12 to 16 week pilot. After go-live, a new product launches by configuration in under one working day.
Does neotra support Islamic finance?
+
Yes. Murabaha, Qard Hasan and Wadiah current accounts are in the core; Ijara Muntahia Bittamleek, Diminishing Musharaka, Istisna, Mudaraba and Wakala are modules. Each is approved by the institution's Shariah supervisory board.
Where is data hosted?
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In an in-country cloud region or a jurisdiction the regulator accepts, or on-premises in the institution's data centre, with the same software and upgrade path.
What is neotra built on?
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neotra runs on a hardened, commercially supported distribution of the Apache Fineract ledger engine, extended with proprietary neotra modules.
Start with a two-hour discovery session
With your business, finance, IT and Shariah teams, we select the modules, the first product line and the pilot's exit tests.