Overview
NARFIN (Narwhal Financial Systems) is a Singapore-based fintech spin-off from SMU, delivering next-generation digital banking and financial management solutions. NARFIN’s platform empowers banks, remittance houses, MNCs, and digital financial institutions to streamline treasury, remittance, and core banking operations with modular, cloud-ready systems. The company’s technology is proven in production environments and trusted by leading clients in Asia.
Our Innovation
NARFIN’s innovation lies in its “coreless banking” architecture and modular SaaS platform, which enables rapid deployment, integration, and customization of financial products and innovation. The platform is built on microservices and API-first principles, supporting digital onboarding, FX exposure tracking, risk hedging, and order management. NARFIN’s systems are designed to be scalable, secure, and adaptable for both established banks and fintech disruptors.
Key milestones include:
- Commercialization of SMU’s tBank research engine, proven in O-Bank (Taiwan), which won “Best Digital Bank in Taiwan.”
- Successful deployment in leading forex houses for treasury management.
Treasury Management System: FX exposure tracking, risk hedging, and real-time analytics.
Remittance System: Order management, digital client onboarding, and compliance automation.
Coreless Banking System: Modular retail and corporate banking products, easily integrated via APIs.
App Development Platform: UI/API development tools, API gateway, and exchange for seamless connectivity.
Digital Banking SaaS Platform (Coming Soon): Cloud-native, multi-tenant, and highly configurable for rapid market entry.
Additional features:
- General Ledger System for banks and enterprises
- Microservices architecture for scalability and resilience
- Secure cloud deployment with robust cybersecurity controls
Potential Applications
- Remittance Houses: Streamline cross-borader payments, compliance, and customer onboarding.
- Digital Banks: Launch new banking products/innovation quickly, manage treasury and risk, and enable digital transformation.
- MNCs: Manage global treasury operations, FX exposures, and financial reporting.
- Software Developers & System Integrators: Build and integrate financial applications using NARFIN's API-first platform.
- General Ledger & Financial Operations: Any company or bank seeking modular, scalable financial management tools.
If you're interested in this technology, please contact KTC.
