Telios is organised as a core that every institution uses and add-ons it activates when needed. Each module shares the same customer record, business calendar, approvals, audit trail and general ledger.
One customer record across branches, with the documents and checks your compliance officer needs.
Launch savings, current and term deposit products by configuration, with interest and fees computed the same way every day.
Take a loan from application to closure with the same rules, approvals and accounting every time.
Your general ledger is always up to date, because it is fed by the operations themselves.
Cash is controlled from the vault to the counter, and every till balances with the ledger.
Move money between accounts and to other rails with the right controls and a clear outcome for every payment.
Access follows responsibilities, and every sensitive action can be traced to two people.
Managers see what matters to them when they sign in, and reports come from the ledger, not from spreadsheets.
Customers and staff hear about what concerns them, and documents are stored with the records they support.
A teller receives a deposit, a loan is repaid, a fee is charged.
The product's posting rules decide which accounts are debited and credited.
The journal entry is recorded with the operation, in the same transaction.
Daily checks show that each subledger agrees with its control accounts.
Telios produces the financial statements from its ledger. Specific statutory reports and tax declarations depend on the country pack and are confirmed with each institution.
Monitor transactions, hold suspicious payments and document every investigation.
Staff records drive system access, and salaries are calculated, posted and paid inside the institution's own books.
Serve customers where they are, on the same accounts and controls as the branch.
Extend the same ledger to treasury, markets and card operations as the institution grows.
These are planned and not available today: