Mobile App & channel connections
Extend customer and member access beyond the branch with the planned Mobile App and other channel connections to Express-O 17.
Explore platform capabilities →Express-O 17 · Our flagship platform
Express-O 17
Core Banking Platform
Scheduled launch · Early 2027
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.
A generational advance
A connected workspace
for banking teams.
Express-O 17 is the next chapter of our core banking offering. Banking, Cooperative, Credit Union, and Lending editions will share a modern platform foundation, with workflows shaped around each institution. The planned offering includes a Mobile App, InstaPay Gateway, other channel connections, and a regulatory reporting module for BSP and other Philippine requirements.
Designed forBanksFinancial cooperativesCredit unionsLending institutions
Plan ahead for early 2027.
Launch is scheduled for early 2027. Edition and module availability, migration, integrations, deployment, and acceptance testing will be confirmed with your institution before implementation.
Cloud SaaS is a delivery option for Express-O 17, with hosting, security, support, and service responsibilities agreed for your institution.
Explore cloud SaaS delivery →Express-O 17 editions
One platform.
Shaped around your institution.
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
One core.
Connected capabilities.
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.
InstaPay Gateway
Connect the core to InstaPay payment workflows through a dedicated gateway, with onboarding and testing planned for your institution.
Explore the planned gateway →Regulatory reporting module
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.
Pre-launch platform preview
Purpose-built workspaces
for banking operations.
Preview how Express-O 17 brings customer service, controls, integrations, compliance, and daily processing into a consistent operating experience.
Check the banking date, active batch work, and recent end-of-day and start-of-day runs.
Review transaction activity, latency, and channel health before investigating an interface.
Review alerts, cases, and KYC work requiring attention.
Pre-launch screens show representative product environments with non-production sample data. Launch is scheduled for early 2027; edition and module scope will be confirmed with your institution. Select any screen to view it at full size in a new tab.
Modular by domain
One controlled core.
Clear capability boundaries.
Express-O 17 uses a modular application architecture: business domains share a consistent transactional foundation while integration, reporting, and payment concerns are separated through governed interfaces.
01
Experience & access
- Role-based workspaces
- Operational dashboards
- Governed APIs
02
Banking domains
- Customer & party
- Deposits
- Loans
- Transactions
- General ledger
03
Control & orchestration
- Maker-checker
- Batch processing
- Posting services
- Audit & observability
04
Platform foundation
- Grails & Java
- PostgreSQL
- RabbitMQ
- JasperReports
Next-generation capabilities
Capabilities for your
next operating model.
Explore the banking domains, workspaces, and integration capabilities relevant to your institution. Confirm the required scope during a demonstration.
◈01
Real-time banking core
Keep balances, postings, limits, and financial events current across every connected customer and operational journey.
⊕02
Configurable products
Manage deposit and loan product definitions, limits, pricing components, fees, interest, and effective-dated changes.
⌘03
Controlled workflows
Coordinate onboarding, servicing, approvals, exceptions, maker-checker reviews, and batch operations.
↔04
Mobile App & channels
The planned Mobile App and other channel connections will extend customer and member access through governed interfaces to the core.
◎05
Unified customer context
Bring identity, relationships, holdings, interactions, consent, and service context together across the institution.
▤06
Philippine regulatory reporting
A planned reporting module will support preparation, validation, and generation of BSP and other Philippine regulatory reports within the agreed portfolio.
✦07
Observable operations
Surface API, batch, channel, queue, compliance, and health signals through dedicated operating views.
↗08
InstaPay Gateway
The planned gateway will connect payment workflows to the core, with network onboarding, security, and acceptance testing agreed for each institution.
Features & functions
A platform for the
next operating model.
01Real-time financial core
+
- Customer, party, and relationship services
- Account, balance, and arrangement management
- Real-time transaction and posting services
- Integrated accounting and financial control
02Product & workflow control
+
- Deposit and loan product configuration
- Pricing, limit, and lifecycle rules
- Onboarding and origination workflows
- Servicing, exception, and approval controls
03Planned mobile & channel connections
+
- Mobile App for customer and member access
- InstaPay Gateway for Philippine payments
- Other digital channels and partner connections
- Governed API service access
04Planned Philippine regulatory reporting
+
- BSP and other Philippine reporting portfolios
- Source data preparation and validation
- Report mappings and period-based generation
- Review, export, and execution history
05Data-driven operations
+
- Operational monitoring and observability
- Real-time event and data services
- Analytics and decision-support integration
- Automated exception and task routing
06Platform engineering
+
- Modular domain architecture
- Enterprise identity and authorization
- Configuration and release governance
- Resilience, monitoring, and operational automation
Let’s plan your next step
Plan your next chapter with Express-O 17.
Share your institution type, operating scale, delivery preference, and priorities with our banking technology team.
Discuss launch planning