Digital Process Automation Platform
Process automation for banking, microfinance and finance operations.
PRISM models the approvals, cases and service journeys a financial institution runs on, so that policy, control and execution live in one governed layer instead of being scattered across core systems, spreadsheets and email.
Why PRISM exists
In most financial institutions the process is the product. Account opening, credit origination, disbursement, claims and exception handling all move through a chain of checks that is rarely written down in one place — it lives in a core banking screen, a policy document, and the habits of experienced staff.
That arrangement is expensive to change. A new regulatory requirement or a revised credit policy means touching several systems and retraining people, with no reliable way to prove afterwards that the rule was applied consistently.
PRISM separates the process from the systems it touches. Workflows, rules and service levels are configured and versioned in one place, while core systems keep doing what they do well: holding the record.
Business challenges
What it is built to answer.
Each of these is a condition we have met inside a live operation, not a hypothetical.
Policy changes take months to reach operations
Rules encoded across screens and scripts must each be found and edited. PRISM holds them as versioned, testable configuration with a clear effective date.
No single view of work in progress
Cases sit in inboxes and side systems. A shared queue model gives supervisors real ageing, ownership and SLA position across every process.
Audit evidence is reconstructed after the fact
Every state change, decision input and approver is recorded as the work happens, so an audit request is a query rather than an investigation.
Branch and channel processes diverge
One process definition serves branch, back office, agent and digital channels, removing the quiet variations that create risk.
Architecture
How the platform is layered.
Boundaries are explicit so parts can be replaced, integrated or deployed separately as the estate changes.
- L05
Experience
Where work is done
- Case workspace
- Configurable forms
- Supervisor consoles
- Customer & agent portals
- L04
Orchestration
Where the process lives
- Workflow engine
- Business rules & decision tables
- SLA and escalation timers
- Task routing & delegation
- L03
Intelligence
Where judgement is assisted
- Scoring and risk models
- Document intelligence hand-off
- Duplicate and anomaly checks
- L02
Integration
Where systems meet
- Core banking adapters
- Payment and mobile money interfaces
- Event publication
- Registry and bureau lookups
- L01
Foundation
What it runs on
- Identity & role model
- Immutable audit store
- Observability
- Configuration versioning
Core capabilities
What it does in production.
Workflow modelling
Processes are defined as explicit states, transitions and owners — reviewable by risk and compliance without reading code.
Decision management
Eligibility, limits, pricing and referral rules are expressed as decision tables with test cases and version history.
Case management
Long-running work with documents, notes, dependencies and reassignment, built for exceptions rather than only the happy path.
Service level control
Timers, escalation paths and ageing views that make delay visible before a customer reports it.
Straight-through processing
Cases that satisfy every rule complete without human touch, while the remainder route to the right desk with context attached.
Operational reporting
Throughput, cycle time, rework and exception reasons per process step, exportable to the institution's reporting stack.
Integrations
Where it connects.
Integration is contract-first: versioned APIs, published event schemas and adapters that isolate systems of record.
Core systems
- Core banking
- Loan management
- ERP & general ledger
- CRM
Financial rails
- Payment switches
- Mobile money
- Clearing interfaces
External checks
- Credit bureau
- Identity registries
- Sanctions & watchlists
Enterprise
- Directory & SSO
- Document repositories
- Data warehouse & BI
Governance & security
Control and evidence.
Role-based authority
Approval limits and segregation of duties are enforced by the platform, not by convention.
Immutable audit trail
Who did what, on which version of which rule, with the data available at that moment.
Data protection
Encryption in transit and at rest, field-level masking and retention rules per document class.
Change control
Process and rule changes move through review and staged release like any other production change.
Deployment
How it is run.
Institution cloud
Deployed into the institution's own cloud tenancy with infrastructure as code and automated pipelines.
On-premise
Full on-premise installation where regulation or data residency requires it.
Managed operation
Encipher operates the platform under a support agreement with defined response commitments.
Sectors
Who runs it.
- Banking
- Microfinance
- Insurance
- Payments & fintech
- Public sector finance
Tell us what you need to build.
The first conversation is a working session, not a pitch. Bring the problem — we come back with scope, architecture and honest pricing.