Digital Solutions for Corporate Banking: How MozaIK Makes It Practical

Corporate banking manages large and complex financial operations for businesses, from daily transactions to payroll, loans, compliance, and beyond. But these processes are often slowed down by outdated systems, manual paperwork, and disconnected tools.

MozaIK, Jiway’s modular core banking system, changes that. It gives banks a practical, flexible, and scalable way to serve corporate clients, without the usual friction or long deployment times.

MozaIK helps banks deliver real, everyday value to businesses through smart digital solutions.

Designed to Handle Corporate Complexity

Unlike retail banking, corporate clients have unique needs. They require customized limits, multi-user access, approval workflows, treasury management, and compliance support. MozaIK makes all this manageable through:

• Modular architecture: Use only the features you need
  
• APIs: Connect smoothly to ERP systems, payment networks, and third-party platforms
  
• Configurable workflows: Adapt to the client’s policies and approval rules
  

So, banks can onboard, serve, and scale for business clients faster than ever.

What Makes MozaIK Practical for Corporate Banking?

1. Flexible Cash Management

Businesses need full control over how money moves across multiple accounts, currencies, and countries. MozaIK gives them the tools to:

• View real-time balances across all linked accounts
  
• Automate recurring transfers and bulk payments
  
• Set limits and approval flows based on internal policies.
  

With these tools, companies can manage liquidity efficiently and reduce manual work.

2. Smart Onboarding for Business Clients

Traditional onboarding of a company can take weeks. There’s usually a pile of paperwork, multiple decision-makers, and strict regulatory checks. MozaIK speeds this up with:

• Digital onboarding portals for companies
  
• Document upload and automated validation
  
• KYC and KYB integrations (Know Your Customer & Know Your Business)
  

This helps banks onboard SMEs and large corporations quickly with local laws.

3. Multi-User and Role-Based Access

Corporate clients typically have teams, finance managers, auditors, HR staff, and external accountants. MozaIK allows businesses to:

• Add multiple users to a corporate account
  
• Assign different access roles (view, approve, initiate, admin)
  
• Set up dual or multi-level approval for key actions.
  

This mirrors how real businesses operate and adds a layer of internal control for security and transparency.

4. Centralized Loan and Credit Management

Many companies rely on revolving credit lines, working capital loans, or asset financing. MozaIK simplifies this with:

• Custom credit products and repayment rules
  
• Automatic interest/profit calculations
  
• Alerts for renewals, overdraft usage, and payment schedules
  

Banks can track risk and revenue, while clients get full visibility of their borrowing.

5. Corporate Card Integration and Spend Controls

MozaIK supports issuing and managing corporate debit or credit cards. Businesses can:

• Set limits per department or employee
  
• Monitor transactions in real time.
  
• Freeze or block cards instantly if needed
  

This gives finance teams tighter control over spending and simplifies accounting.

Use Case: A Mid-Sized Company With Global Operations

A mid-sized construction firm with operations in Qatar and the UAE needed:

• Centralized accounts for its offices
  
• Automated salary payments for over 500 workers
  
• Project-based expense tracking
  
• Approval workflows for supplier payments
  

Using MozaIK, their bank delivered:

1. Fast digital onboarding for the company and its authorized users
   
2. Bulk payment features to manage payroll and supplier payouts.
   
3. Multi-user access with different levels of permissions
   
4. An FX module for converting currencies based on live rates
   

The result? Less paperwork, fewer errors, and more time spent growing the business than managing banking tasks.

Built for Banks, Practical for Businesses

MozaIK isn’t just another piece of banking software. It’s built to solve real problems that banks and their corporate clients face daily. Its modular, API-first approach ensures banks can scale services easily, without rebuilding systems from scratch.

By making complex banking simple and accessible, Jiway helps banks serve businesses of all sizes more effectively.

Conclusion: Empowering Corporate Banking with Real Value

Business customers need banking partners who understand their workflows, risks, and speed of operations. MozaIK helps banks become that partner. With tailored features, strong security, and flexible configuration, corporate onboarding, payments, and account management become smoother and more efficient.

If you’re a bank looking to upgrade your corporate banking experience, MozaIK is the practical solution built for now and for what’s next.