Expand Your Retail and MSME Online Banking Offering with Beams.
Beams enables your bank to offer online banking, lending, payroll, invoicing, HRIS, and accounting to your MSME customers through a seamless digital experience.
Why Choose Beams
Automated Invoicing & Billing
Enable business clients to generate digital invoices and accept payments instantly via shareable links.
Effortless Payment Reconciliation
Avoid bookkeeping mistakes with automatic tracking that matches every incoming payment to the right invoice.
Integrated Business Accounting
Provide business clients with built-in cash flow forecasts and financial reports.
100% Remote Digital Banking
Enable complete online account enrollment, remote digital banking services, and business financing applications.
Streamlined Tax & Remittances
Simplify compliance for business owners with seamless government payment and contribution processing.
Digital Payroll & Payouts
Equip business clients to manage end-to-end payroll calculations and disburse employee salaries seamlessly.
Automate Payroll and Accounting Straight from Beams
Give MSME clients full control over internal operations without third-party software. Businesses can manage staff payroll, reconcile payments, and monitor cash flow within your online banking portal.
Beams' Key Capabilities:
One-Click Bulk Payroll
Review, approve, and disburse employee compensation directly into account portfolios with instant digital reference receipts.
Automated Salary Computation
Calculate gross pay, net pay, and mandatory contributions automatically based on custom rules.
Streamlined Payment Reconciliation
Instantly match incoming customer bank transfers and collections against open client invoices to eliminate manual tracking.
Full-Suite Retail & Everyday Banking
Equip retail users with online enrollment, bill payments, prepaid top-ups, mobile check deposits, transfers, and forex.
Reconciled Invoicing & Payment Links
Generate digital bills, track payment statuses, and allow customers to settle via diverse payment channels.
Digital HR & Leave Management
Streamline internal workflows with automated approval systems for vacation leave, overtime, and attendance adjustments.
Real-Time Cash Flow Forecasting
Monitor daily, weekly, and monthly cash flow trends with real-time tracking of total payables and receivables.
Chart of Accounts & General Ledger
Maintain company asset, liability, and revenue registers with pre-configured tax rates for hassle-free bookkeeping.