Acacia 360 Financial Services Solutions

Bringing Philippine developed mission-critical Financial Services solutions for the Banking, Lending, Cooperative sectors enabling wider reach and inclusion.

  • Faster to ROI
  • Adapted to Philippine business rules and compliances out of the box
  • Robust & Scalable, Modern & Web based
  • Modular & Flexible parameters to launch your product in days.
  • Connect with Fintechs, Payments, Wallets, Omni-channel providers.

Compliant Solutions for expanding Financial Services Organizations

  • Cooperatives
  • Savings & Loans Association
  • Traditional Banking
  • Lending
  • Micro Financing

Take advantage of the Internet for customer/member servicing

  • Self-service web portals for members/account holders
  • Remote Branches, Kiosks, Mobile
  • Minimize manual ‘excel’ and file hand-off processes

Solutions At a Glance

Loans Origination

  • Handle 1000s of Loan applications per day.
  • Team based Loan Application Workflow from Data entry, CI, Credit Score, NFIS-CMAP, Evaluation, Approval
  • Achieve 2 hour turn around time
  • Team Dashboards
  • Print PN, Disclosure, Amortization

Loans Management

  • Flexible Loan Products & Payment Terms
  • BSP compliant, EIR, Truth in Lending
  • Aging & Reclassification
  • Loan Inquiry / Net-to Close/ Payments, Adjust
  • Collection Module
  • Restructuring
  • Interest Income recognition (accrual/ cash)

Commercial Loans

  • Credit Facility/Line Management
  • Workflow based Data Entry, CI, Appraisal, Evaluation Module with Risk Scoring & Risk Rating inputs
  • CRAM LAM Preparation
  • Collateral Management
  • Repricing
  • Discounting
  • Restructuring


  • Regular and Special Savings
  • Time Deposit
  • Checking Accounts
  • Passbook and Statement of Account
  • CA/SA EOD EOM, ADB, Inward and outward clearing
  • Authorize ATM & Internet transactions & Mobile transactions

Branch Operations

  • Branch Operations
  • Start of Day End of Day
  • PCOS
  • Tellering
  • Passbook Printing
  • New Accounts Opening
  • Customer File Maintenance
  • M/C, Passbook, TD, checkbook management

Cash Management

  • Check Writer with Voucher
  • Post Dated Checks Warehousing
  • Company Payroll and Attendance
  • MC Check cutting for suppliers
  • General Accounting, ERP

Customer Information File

  • BSP KYC fields compliant
  • CIC fields compliant
  • 360 view of Customer Relationship and Borrowing Limit/Exposure
  • Interface to AMLA, eKYC, Central Liability System
  • Individual, Single Prop, Corporate, Co Makers Co Borrowers
  • Deduping

Savings & Loans Cooperatives

  • Membership Management
  • Loan Application
  • Loan Management
  • Deposits
  • Cashiering
  • Capital Contributions
  • Patronage Dividends
  • Online Members Portal

CICS and Facial Recognition

  • CICS alterntative Solution
  • PCHC Recognized
  • Mitigate Bottlenecks
  • Simplified Architecture

  • Facial Recognition for ID and liveness verification

Mix and Match Solutions

  • Modern Design
  • Seamless functionalities as stand-alone or combined modules
  • No code modifications to define new loans/deposit products
  • Parameterized product definition
  • Mix & Match Modules according to your operations

Watch the Acacia Video