Try Something Completely Different


Language Currency Islamic or Conventional Branch or Branchless Institution Type

Please Choose an Implementation Type

English IDR Conventional Branchless Bank
English IDR Conventional Branchless Cooperative
English IDR Conventional Branchless Finance Company
English IDR Islamic Branchless Bank
English IDR Islamic Branchless Cooperative
Indonesian IDR Conventional Branchless Bank
Indonesian IDR Conventional Branchless Cooperative
Indonesian IDR Conventional Branchless Finance Company
Indonesian IDR Islamic Branchless Bank
Indonesian IDR Islamic Branchless Cooperative


Please Note

  • For these demo's we use a standard Chart of Accounts in English. We will load your CoA should you decide to use our system.
  • All GL updates for sub ledgers (deposits and loans) are automatic. There is no End of Day, End of Month or End of Year.
  • SilviaCBS can be used for massive Micro Finance. It has been tested with 65,000 cooperatives loaded and running under a single instance.

SilviaCBS can deliver the following implementations from the same code base:

  • Conventional
  • Islamic
  • Branch or Branchless
  • Bank
  • BPR
  • Credit Union
  • Finance Company
  • Cooperative (incl BMT, Coop TKI, POS for coop shops)

The Core Banking Delusion

Core Banking is a dirty word nowadays.

Some banks even try to pretend that it does not exist.

Why is this so ?

Almost all core banking systems where developed around 40 years ago.

At that time these systems were modern.

Some even had a rudimentary (Codasyl) database although most were using indexed files.

Real time update of the "database" was a no no, these systems used "memo posting", the "database" was only updated at night in batch mode. Real time update could not be trusted.

There was no notion of logical transactions using Commit or Rollback, that all had to be coded.

Core banking vendors usually made good money because their customers, banks, always had plenty of it.

They just kept selling their "golden goose", there was no need for modernization.

The vendors scared the living daylight out of the banks in case they were looking at something else, new software could not be trusted. Some vendors even said that Unix systems could not be trusted, only mainframes were reliable.

The vendors spend a very large part of their budget on marketing, some employ PhD's only.

But you know, it was old technology and time does not stand still. People retire and young people are not interested in learning old technology.

The solution was interfaces, building Java stuff around Core Banking without having to change it. That was the idea.

Nowadays 200 interfaces and 10,000 person days is normal for a core banking implementation.

The interfaces make for tremendous complexity. Everything is done through API's.

Some core systems have hundreds of inflexible API's which makes for very inefficient processing.

40 years ago everything was "in core" apart from modernities like 24/7 ATM systems, they were interfaced because core had to go down at night to do the massive batch work.

Now Core is set in concrete, it cannot be changed.

Core banking is not rocket science, far from it. Core systems mainly do massive I-O and very little compute.

The banks have no way forward, they can only go from one dinosaur to another, a pointless exercise, they gain nothing by changing the core banking system.

If everything is "in core" the systems are very simple.

That is what we have done with SilviaCBS, it is all "in core" and we do our delivery via web browsers, not by using expensive PC based branch systems.

SilviaCBS is affordable for fiancial institutions regardless of size. Small and medium size banks can compete with the big guys.

Try it, you will be surprised.





Massive Micro Finance

SilviaCBS can be used for massive Micro Finance. It has been tested with 65,000 cooperatives loaded all running under a single instance.

All this with full control from the top or from sub levels if required.

Price control for staple food sold by the cooperatives can be imposed from the top.

Interest rates can be controlled in the same manner.




BMT Amanah Bersame

BMT Amber Bersama Islamic Financing

BMT Amanah Bersama has used SilviaCBS for 3 years.

BMT Amber offers Islamic financing to its members.




Prioritas Salam Finance

Prioritas Salam Finance Umrah Hajj

Prioritas Salam Finance is now using SilviaCBS.

Prioritas offers financing for Hajj and Umrah travel.




Mekar Sampoerna Wira Usaha Micro Finance

Mekar Sampoerna Wira Usaha is live on SilviaCBS.

Mekar offers micro finance style business development loans to its customers.



Sukuk Inside

For institutions wanting to use the system to issue Sukuk (Islamic Bonds) a complete Sukuk - Ijarah management system is included

IFRS Inside

With SilviaCBS IFRS is built in whether you use it or not (yet)

In SilviaCBS IFRS runs in parallel with tradional bad debt grading.

Any time you want to start using it, please go ahead.


SilviaERP added to SilviaCBS

SIlviaERP provides business solutions for retail and wholesale business.

SilviaERP is fully integrated with SilviaCBS and can be made available by changing a single parameter.

If a financial institution (such as Micro Finance Rural) operates shops and / or warehouses the business can be integrated seamlessly with our CBS.

All accounting is automatic, same as with SilviaCBS.

Functionality includes:

  • POS
  • Sales Orders
  • Invoicing
  • Purchase Orders
  • Inventory Management
  • Accounts Payable
  • Accounts Receivable
  • Sales Commission
  • Payroll
  • Remote Overrides
  • Stock Optimization


Yes, We Customize

Over the past 30 years or so Customization has become more and more of a dirty word.

It is considered to be expensive, risky and time consuming.

Unfortunately we do not live in a world where one size fits all.

This is also the downfall of Cloud solutions for business, it is all too general.

Some of the reasons behind the fear of customization are:

  1. Aging technology and lack of expertise in ancient programming languages like Cobol, RPG, Assembler.
  2. Use of unsuitable languanges like C and, I dare say, Java.
  3. Accumulation of dirty code and thousands of parameters that only very few people understand.
  4. Fear tactics from vendors.

So rather than customizing the core system many interfaces to other systems were introduced.

200 interfaces is not unusual for a bank.

But these interfaces still require changes to the core system.

10,000 person days to change to a "new" system is not unusual.

"New" = "Changing from one dinosaur to another".

Just think about how many new core systems you could develop with 10,000 person days.

In short: the banking IT world has gone mad.

We customize in core and we avoid unnecessary interfaces like the plague.

We can do this because the technology we use is new and simple.

Simplicity is a hard thing to achieve, it is much easier to make things complicated.

Yes, we customize to keep your business competitive.


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