Express-O product family
Express-O 17 leads our next chapter, with institution editions and connected capabilities planned for early 2027. Express-O remains available for smaller institutions with essential banking needs.
The Express-O product family
Choose the flagship for your next chapter or the established core for essential operations. Cloud SaaS is a delivery option for either platform.
Our flagship core banking platform, scheduled to launch in early 2027. Institution editions will bring core operations, a Mobile App, InstaPay Gateway, channel connections, and Philippine regulatory reporting into one product family.
Discover the flagship platformDependable core banking for financial institutions with 1–2 operating units and basic banking needs. Connect customer records, deposits, loans, teller work, and accounting in one system.
Explore essential core bankingChoose by fit and timing
Match your institution’s operating model and timeline to the right product. Our team will help confirm scope and implementation needs.
| Your decision | Express-O 17 | Express-O |
|---|---|---|
| Position | Our flagship core banking platform. | Our established core for essential banking operations. |
| Best fit | Banks, cooperatives, credit unions, and lending institutions seeking a modern core and connected channels. | Primarily financial institutions with 1–2 operating units and basic banking requirements. |
| Availability | Launch scheduled for early 2027. Discuss your edition and implementation roadmap now. | Remains available in the market. Product fit and implementation timing are confirmed with your institution. |
| Edition & scope | Banking, Cooperative, Credit Union, and Lending editions on a shared platform foundation. | Customer records, deposits, loans, teller transactions, accounting, and daily controls. |
| Channels & reporting | Planned Mobile App, InstaPay Gateway, other channel connections, and a BSP and Philippine regulatory reporting module. | Operational and financial reporting for the agreed installation. Additional interfaces are assessed against your version and requirements. |
| Cloud delivery | Cloud SaaS option, aligned to the planned Express-O 17 launch and your edition’s scope. | Cloud SaaS option, with migration and operating responsibilities agreed for your institution. |
| First step | Choose your institution edition, explore the planned capabilities, and discuss launch planning. | Discuss your operating units, daily workflows, and delivery requirements. |
Existing Express-O support arrangements remain governed by your agreement. A move to Express-O 17 requires a separately planned migration, integration review, training, and acceptance testing. Philippine reporting and payment connections are assessed for the applicable market.
A delivery option for both platforms
Choose your banking platform, then explore a cloud software as a service arrangement. Hosting, security, support, and service responsibilities will be agreed for your institution, with Express-O 17 delivery aligned to its planned launch.
Explore cloud SaaS deliveryExpress-O 17 editions
Explore Banking, Cooperative, Credit Union, and Lending editions, planned around a different institution’s operating needs on the shared Express-O 17 platform.
Find your Express-O 17 editionPlanned with Express-O 17
The flagship offering will include mobile access, payment and channel connections, and Philippine regulatory reporting. Module scope and rollout timing will be confirmed for your edition.
Extend customer and member access beyond the branch with the planned Mobile App and other channel connections to Express-O 17.
Explore platform capabilities →Connect the core to InstaPay payment workflows through a dedicated gateway, with onboarding and testing planned for your institution.
Explore the planned gateway →Prepare and generate BSP and other Philippine regulatory reports through controlled data, mappings, validation, and review.
Explore the planned module →Launch is scheduled for early 2027. Mobile functions, channel interfaces, report formats, and deployment scope will be agreed with each institution. Live InstaPay use requires applicable network onboarding and acceptance testing; reporting coverage depends on validated formats and source data.
Find your platform
Tell us your institution type, number of operating units, banking priorities, and timeline. We’ll help you assess Express-O 17 or Express-O.
Discuss your requirements