LoneSock

The bridge banks need.

Bank-owned DPS platform connecting traditional banking with Bangladesh's MFS ecosystem. No CBS modification. Full control.

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THE CHALLENGE

MFS owns the customer.
Banks own the products.

DPS and savings products are increasingly initiated through Mobile Financial Services, while Core Banking Systems were never designed for real-time, multi-MFS orchestration.

MFS platforms control customer onboarding and payment collection
Banks must integrate with multiple MFS providers simultaneously
Core Banking Systems are risk-sensitive and costly to modify
Reconciliation, disputes, and audit pressure continue to increase
ARCHITECTURE
FinBridge as System of Record
MFS PROVIDERS
bKash
Nagad
Rocket
Upay
FinBridge
DPS Micro-Core
Products
Contracts
Ledger
BATCH POSTING
Core Banking System / GL
No real-time integration required

What FinBridge is NOT

✕Not SaaS
✕Not cloud-locked
✕Not dependent on any single MFS
✕Not a replacement for Core Banking
✕Not a vendor-controlled black box

FinBridge is a bank-owned asset, deployed, operated, and governed entirely by the bank.

Key Capabilities

Everything a bank needs to launch, manage, and control digital DPS products through MFS channels.

Multi-MFS DPS Enablement

One platform supporting bKash, Nagad, Rocket, and Upay. Uniform business rules across all channels.

DPS Product Management

Tenure, installment rules, interest structures, early closure handling. Product versioning without risk.

Contract Lifecycle Control

Digital DPS creation, status tracking, grace-period management, delinquency handling.

Interest Accrual & Maturity

Automated daily accrual, calendar-aware processing, automated maturity detection.

Ledger & Financial Control

Bank-grade double-entry sub-ledger. Contract-level statements. Settlement account control.

Reconciliation & Settlement

MFS vs platform vs CBS reconciliation. Automated mismatch detection. Maker-checker resolution.

CBS-Safe Integration

No real-time CBS calls. Batch-based posting. Configurable GL mapping. Acknowledgment handling.

Audit & Compliance

Complete audit trail. Immutable logs. 7-10 year retention. Bangladesh Bank audit ready.

Deployed in your data center.
Owned by your bank.

FinBridge runs on your infrastructure, under your security policies, with your team in control. No cloud dependencies. No vendor lock-in.

DeploymentBank Data Center
Control100% Bank
ConnectivityBank-approved networks only
Cloud dependencyNone
Vendor lock-inNone
DR & HABank-defined

Security & Compliance

Mutual TLS and signed payloads
Role-based access control
Maker-checker enforcement
Encrypted data at rest
Long-term audit retention (7-10 years)
Bangladesh Bank audit alignment
Internal audit framework support
External financial audit ready

Strategic Benefits for the Bank

Revenue Growth

  • Access to full MFS customer base
  • Faster DPS product rollout
  • Reduced MFS negotiation dependency

Risk Reduction

  • No Core Banking instability
  • Controlled financial posting
  • Strong reconciliation & audit

Cost Efficiency

  • One platform for all MFS
  • No repeated integrations
  • Lower maintenance costs

Strategic Control

  • Bank owns DPS business logic
  • Bank owns all data
  • Bank controls expansion

Built for Enterprise

Built on .NET 10 with enterprise-grade, long-term support. Modular, extensible architecture designed for long-term maintainability and optimized for on-premise enterprise infrastructure.

.NET 10 LTSPostgreSQL / SQL ServerAir-gapped ReadyHA/DR Support

Ready to bridge your bank with MFS?

Request a technical brief or schedule a private demonstration with our financial systems team.

Request Technical Brief