Request A Demo


Home  ›  Solutions  ›  eMasraf

Digital Banking & Financial Services

Modern Banking Experiences,
Digitally Delivered

eMasraf is a digital experience banking platform built on DigiXP — enabling banks and financial institutions to deliver secure, user-friendly retail, corporate, and mobile banking services through fully API-based digital channels.

Platform Highlights

Digital banking portals — retail, corporate, mobile, and onboarding
Customer onboarding — digital KYC, account opening, and servicing
Secure transactions & integrations — API-based, open banking ready
Role-based access and controls — multi-tenant, enterprise-grade
Scalable architecture — built for high-volume concurrent users
🏦 Retail Banks — Internet & mobile banking for individual customers
🏢 Corporate Banks — Multi-entity treasury and corporate banking portals
📱 Digital Banks & Neobanks — Fully digital, mobile-first banking platforms
Fully
API-Based
v5.5
Latest Release
Retail+
Corporate
Mobile
& Web
Open
Banking Ready

Platform Overview

What is eMasraf?

eMasraf is a digital experience banking and financial services platform built on DigiXP, designed to enable banks and financial institutions to deliver secure, user-friendly digital services to customers and partners through web and mobile. It goes beyond online banking to serve additional channels — call center, kiosks, wearables, virtual assistance — with a flexible architectural model built for openness, ease of integration, and cloud-based deployments.

✓Bridges the gap between transactional banking and customer interactions
✓Enables banks to build their own applications on top of eMasraf's API
✓Event-driven — bank can respond to customer events via workflow scenarios
✓Reduces branch dependency and operational costs significantly
✓Increases digital adoption with personalized, data-rich experiences
✓Supports international open banking standards and API frameworks
🏦

Key Capabilities

Digital banking portals — retail, corporate, mobile, and onboarding
Customer onboarding — digital KYC, account opening, and servicing
Secure transactions & integrations — API-based, open banking ready
Role-based access and controls — multi-tenant, enterprise-grade
Scalable architecture — built for high-volume concurrent users
CXLink integration — real-time customer engagement on banking events
Merchant portal and wallet capabilities
Personalized customer contents — customizable dashboards and views

How It Works

eMasraf in Action

From setup to value — a clear, structured path to transformation.

1
Bank identifies digital channels to modernize (web, mobile, corporate, ATM)
2
eMasraf connects to core banking system via API — no core replacement needed
3
Business teams configure products and services using no-code eService builder
4
CXLink layers real-time engagement on top of banking transactions
5
Customers access personalized banking dashboard on web and mobile
6
Bank launches new products and services within minutes, not months

Industries Served

🏦Retail Banks — Internet & mobile banking for individual customers
🏢Corporate Banks — Multi-entity treasury and corporate banking portals
📱Digital Banks & Neobanks — Fully digital, mobile-first banking platforms
🌍Islamic Banks — Sharia-compliant digital banking delivery
🏛️Central Banks & Regulators — Open banking integration infrastructure

Resources

Learn More About eMasraf

Get Started with eMasraf

Launch Next-Generation Digital Banking
with eMasraf

Talk to our team and see how it can be deployed for your organization in weeks, not months.