Digital Cash Management

Our Digital Cash Management platform keeps your business always connected and in control. Make secure, instant payments anytime, anywhere, and trust that your transactions are fast and reliable. Maximize returns on your surplus funds with smart liquidity management, while easily managing everything in one place. With multiple delivery channels, you can initiate payments, approve transactions, and check balances in real time – all with ease and convenience.

Current Accounts - Effectively manage daily financial operations.

• Current Account / OBCA

  Apply for a business current account easily from your home or office. This account includes MCorporate online banking for businesses.

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• Foreign Currency Account-i

  A current account to support your investment in foreign currency and protect against market currency fluctuation.

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Transaction Management - Enhance cash flow control.

Simplifies payment and collection processes to optimize the purchase-to-pay cycle with minimal expense.

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Liquidity Management - Unlock higher returns by maximizing yields on your surplus funds with our effective and efficient liquidity management.

Features:

1. Notional Pooling consolidates excess funds across accounts to maximize profits without moving the money physically. Profits are then allocated based on each account’s share of the total credit balance, so accounts with higher balances receive more profit.
2. Sweeping allows the movement of funds between accounts/group of companies to not only consolidate funds, but also ensure subsidiaries have sufficient cash for their day-to-day operations.

Benefits:

• Ease of cashflow maneuvering
• Cashflow visibility at the fingertips
• Maximize profit returns
• Inter-co administration for group of companies
• Profit reallocation

Channel - MCorporate Mobile App

Powered by MCorporate (formally known MJourney Corporate), out all-in-one solutions enables seamless transactions, quick payment approvals, and instant balance access – all with a single tap on your smartphone.

Key Feature & Benefit

• 24/7 Accessibility: Provides round-the-clock access to statements, eliminating the need for branch visits or paper-based delays.
• Extended Historical Data: Access up to 24 months of statement history for better record-keeping and analysis.
• Enhanced Security: Ensures confidentiality and compliance with the Secrecy provision of the Islamic Financial Services Act 2013 (IFSA), allowing only authorized access.
• Flexible File Formats: Download statements in PDF, CSV, or Excel formats for seamless integration with accounting systems.

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