Luminous is a world leader in leveraging transactional banking information via our bank integrated, risk and financial management solutions.
Luminous InSights includes:
InLighten – Bank reporting
InLighten includes a suite of reports for internal bank use, these reports offer banks insight into a personal and business customer’s true financial position, these reports include the following:
- Early warning reports
- Credit risk management reports
- Cross selling reports
- Business health indicators – gross profit, net profit, inventory, cash flow, total liabilities over assets
- Customer performance reports
- Customer dashboard reports
- Bank risk income indicators table
- Bank risk credit stability graph
- Bank risk highlights table
InVision – Financial reporting (Personal and Business)
InVision is a financial management solution that generates financial reports giving customers an overview of their financial performance. The types of reports customers receive include the following:
- Income statements
- Categorised expenses statements
- Net profit statements
- Daily and monthly cash flow graphs and reports
- Last 12 months income graph report
- Approximated income graph
- Approximated cash flow graph
InAlysis - Financial analysis (Personal and Business)
InAlysis is an online and mobile financial analysis solution that provides customers with an in-depth, financial overview of their personal or business performance. This solution enables customers to identify trends and delivers an accurate overview of their financial performance. The types of reports include:
- Budget creation and planning
- Daily, monthly, annual cash flow management reports
- Income statements
- Expenses statements
- Scheduled and on demand reporting
- Cash management graph
- Last 2 months expense graph
InStant - Accounting solution (Personal and Business)
InStant is a user friendly, integrated instant accounting solution which uses a customer’s electronic bank statements to generate financial statements and reports. These instant reports, available on demand, enable customers to make informed decisions regarding their personal or business finances.
The types of reports available are:
- Full management pack
- Balance sheets
- Cash flow statements
- VAT / Sales reports
- Debtors and creditors management
- Budgeting
InMobile – Mobile financial management
InMobile enables personal and business customers the ability to download in-depth reports and manage their finances via the use
of their mobile phone.
Customers can access accounts and view transactions where and when required, the reports available include:
- Income statements
- Categorised expenses statements
- Net profit statements
- Daily and monthly cash flow reports
InEducate – Financial Education (Youth / Students)
InEducate is a personal financial management solution aimed primarily at students from primary school through to tertiary level.
Students are issued with bank debit cards and are taught from an early age about the key aspects of financial management, including accounting, budgeting and comparisons to actual spend
using their own transactions, some of the reports include:
- Daily and monthly cash flow reports and graphs
- Income statements
- Categorised expenses statements
- Budget creation and planning
InTerface – Autoreconciliation solution
InTerface is a desktop solution that enables the bank’s business customers the ability to:
Seamlessly download bank statement data
- Reconciliation and ledger generation functionality
- Posts results to Pastel journals
- The software resides on the customers PC and operates with Pastel