Nowadays, consumers of financial products are increasingly demanding that financial institutions be flexible and adaptable while remaining in compliance with the regulations of their sector of activity. This flexibility is only possible thanks to an agile IT or core banking system that provides flexibility in commercial offers. Core Banking’s agility is reflected in its modular architecture, which makes it easier to integrate micro-services customized to the targets without impacting the stability of the entire system.
Before continuing, let’s take a look at the notion of Core Banking. This is the banking core which is a platform of software that runs the basic services provided by a financial institution (bank or microfinance). With the evolution of business needs that are increasingly turning towards digitalization, an efficient core banking system must meet the expectations of flexibility and connectivity to digital services. To answer these issues, there are now core banking platforms that use standardized elements (capable of interacting with the entire architecture) rather than customized elements (usable only on a very specific perimeter). They are designed with a separate and independent middleware and front-end (to integrate partner functionality on any layer), and able to use universal APIs, connect to third parties independently and design products with a core logic.
Today’s technology principles (such as modularity) are less complex due to the transparent and independent development of all system components. This means that upgrades and new functionality can be developed without disrupting the entire Core Banking Platform.
The ALPHA Platform developed by I-TECH SARL which is a Modular Core Banking contains a good number of value-added products which are independent modules. We can mention :

• ALPHA Xpress: this module allows a user to go to the customer’s office to carry out his transaction and also possible to make a withdrawal with an instantaneous implication on the centralized data. Here the agency goes to the customer.
• ICollect: The daily collection also called daily savings, is a module of ALPHA that allows via a phone or a POS to go to public places like markets to collect savings from merchants. Any transaction in the field is instantly visible in the branch by the branch’s collection manager and also by the general collection supervisor at the Caisse’s headquarters.
• Web banking: this module allows the manager who is out of the branch to continue to manage his tasks (waiver validation, loan approval, etc.) as if he were on site. This allows to satisfy the customers at all times.
• Mobile banking: Installable from the Play Store, this module allows our customer to remain connected to his account and to operate independently of our opening and closing hours. Our customer can therefore carry out transactions without being present at our counters.
• MyCollect: Also installable from Play Store, this module is the digitized part of the daily collection where a client of the collection can make his savings of the day without necessarily needing to meet the collector, he can make a push from his account to his mobile money. Via this module, the client can remotely follow any manipulation on his account.

All these modules are designed in such a way that they can be perfectly integrated into information systems other than ALPHA platform. This implies that companies do not need to completely renovate their existing technologies in order to be able to respond effectively to the expectations of their target markets.