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Training, data migration, customization and QA for core banking teams.See our services

Core banking that posts in real time and closes the day on time

3B IT runs deposits, lending, payments and the general ledger on one ledger, so the balance on every screen is the balance in the books.

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Banks, credit unions and lenders that run on 3B IT (sample names)

Northbridge SavingsLakeshore Credit UnionHarbor DigitalMeridian CommercialCrescent Islamic BankUnion Trust FinanceSummit MicrofinancePalm Coast Bank

Every part of the bank, on one ledger

Pick a line of business to see how it runs on 3B IT, and which results institutions like yours report.

Open accounts in minutes, price them your way

Current, savings, term and wallet accounts share one product factory. Change a rate or fee table once and it applies on the next posting run.

  • Product factory
  • Interest and fee engine
  • Dormancy and escheat
  • Joint and business accounts
  • Standing orders
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People who take you from legacy to live

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The daily work of a bank, handled by the core

Each routine below runs inside the same ledger, shares the same rules and leaves the same audit trail.

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Account opening

Verifies identity, creates the account and issues credentials in one flow.

Interest accrual

Accrues daily on every balance tier and capitalises on schedule.

Loan scheduling

Builds and rebuilds repayment schedules for any restructure.

Standing orders

Runs recurring transfers with retries and clear failure reasons.

Cheque clearing

Handles presentment, return and image exchange.

FX conversion

Applies rate tables and margins at the moment of posting.

Fee waivers

Applies relationship pricing without manual overrides.

Dormancy handling

Flags, notifies and restricts inactive accounts by policy.

Sanctions screening

Screens parties and payments against live watchlists.

Statement generation

Produces statements in every channel and language you serve.

Provisioning

Calculates expected credit loss from live repayment behaviour.

Regulatory returns

Builds central bank returns straight from posted data.

Reconciliation

Matches nostro, card and wallet files to the ledger automatically.

Collections

Prioritises overdue accounts and logs every contact.

Limits and controls

Enforces per-customer and per-channel limits in real time.

Batch scheduling

Orders and monitors end-of-day jobs with dependency checks.

One governed layer under every product

The 3B IT core ledger holds accounts, loans, payments and journals together. Teams change rules in one place and see the effect everywhere.

$7M
average annual savings from retiring legacy modules
40 days
typical pilot to production for a new product
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A typical end-of-day run

Total 11m 10s (sample)

  1. 1.Freeze cut-off and queue30s
  2. 2.Accrue interest on all balances2m 10s
  3. 3.Post fees and charges1m 20s
  4. 4.Reconcile nostro, card and wallet files3m 40s
  5. 5.Roll up general ledger by entity2m 30s
  6. 6.Publish management and regulatory reports1m 00s

Why bank leaders choose 3B IT

We used to run end-of-day overnight and hope. Now it finishes before the branches open and our finance team signs off the same morning.
Amira RahmanChief Operating Officer, Meridian Commercial Bank (sample)
11 min
end-of-day close
0
manual journals
3
entities on one ledger
One loan record means collections, provisioning and the ledger finally tell the same story. Audit asked fewer questions this year.
Daniel OkaforHead of Credit Operations, Lakeshore Credit Union (sample)
-62%
approval time
100%
schedule accuracy
4
loan products launched
Adding a payment scheme used to be a project. With 3B IT it was a configuration and a test cycle.
Priya NairCTO, Harbor Digital Bank (sample)
2
schemes added
6 wks
to go live
24/7
posting availability

#1

Core Banking Platform

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#1

Digital Banking Enablement

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#1

Payments Orchestration

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Security and compliance built in from day one

Role-based access, field-level encryption, immutable journals and regional data residency are part of the core, not add-ons.

  • ISO 27001
  • SOC 2 Type II
  • PCI DSS
  • GDPR ready
  • ISO 20022
  • 99.99% uptime target

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FAQ

Frequently asked questions

Cannot find your answer? Send us a request and we will reply within one business day.

  • Alongside our core banking software we provide four services: training, data migration, transaction customization and support, and QA and testing. You can take them together or separately.

  • Yes. Each service can be scoped on its own, for example migration support for a core you have already chosen, or an independent QA cycle before a release.

  • It depends on the number of source systems, data volumes and data quality. We agree a timeline after profiling your data and always run trial migrations before the real cutover.

  • We reconcile balances and journals at every trial load and compare them with the legacy system, and we agree go and no-go checkpoints before cutover.

  • Fee and charge rules, limits, approval flows, notifications, workflows and message formats for cards, schemes and partners. Most changes are configuration rather than code changes to the core.

  • Both are possible. Sessions are role-based and use your own configured products in a sandbox, and we can train your internal trainers so the knowledge stays with your team.

  • Yes. Our support service covers incidents, fixes and change requests, and we agree response targets with you in the support terms.

  • Retail banks, credit unions, digital banks, Islamic banks and microfinance institutions.

  • Send us a request through the demo form. We reply within one business day to book a call about your products, systems and timeline.

3B IT Summit 2027

Two days on real-time core banking, payments and open APIs, with sessions led by the banks running them.

Watch past sessionsRegister for 2027