Proventum

Modular Islamic Banking

ProventumLabs designs and delivers modular Islamic banking platforms that enable financial institutions to operate in full alignment with Shariah principles while meeting modern demands for digital innovation, scalability, and regulatory compliance.

Shariah compliance is not a layer.It is the foundation.

What We Modernize

Designed for Shariah Compliance - By Architecture

Our approach embeds Shariah principles directly into product logic, transaction flows, and system architecture.

  • Prohibition of riba (interest)
  • Asset-backed and trade-based financing
  • Risk-sharing and partnership structures
  • Transparency and contractual clarity
  • Ethical and compliant profit generation

Every module is designed to be reviewable, auditable, and certifiable by Shariah boards.

Islamic Core Banking Modules

A modular core that supports Islamic financial products without compromising accounting integrity or scalability.

  • Customer, account, and ledger management
  • Profit calculation and distribution logic
  • Multi-currency and multi-entity support
  • Islamic chart of accounts
  • Shariah-compliant posting and settlement

Built to coexist with conventional systems or operate independently.

Profit Sharing & Distribution Engine

Automated, transparent profit calculation aligned with Shariah governance.

  • Periodic profit calculation
  • Allocation across investment pools
  • Loss distribution rules
  • Customer-level reporting
  • Audit and reconciliation workflows

Profit logic is deterministic, explainable, and auditable.

Shariah Governance & Audit Layer

Built-in governance features that support regulatory and Shariah oversight.

  • Shariah rule configuration
  • Product approval workflows
  • Contract and transaction traceability
  • Audit trails and reporting
  • Shariah board review support

Governance is embedded - not manual.

Digital Islamic Banking Channels

Modern digital experiences built on top of Islamic banking logic.

  • Mobile and web banking platforms
  • Digital onboarding and KYC
  • Account and investment views
  • Transaction transparency for customers

Customer experience without compromising compliance.

Architecture Built for Flexibility

Our modular architecture enables:

  • Progressive modernization
  • Selective module adoption
  • Integration with existing core systems
  • Rapid product launch
  • Cross-border and multi-jurisdiction operations

Islamic windows, greenfield banks, and fintechs can all adopt only what they need - when they need it.

Security, Compliance & Regulatory Alignment

Islamic banking operates within dual governance frameworks. We design accordingly.

  • Strong data security and encryption
  • Regulatory reporting readiness
  • Shariah and financial audit alignment
  • Role-based access and approvals
  • Full transaction transparency

Technology that satisfies both regulators and Shariah scholars.

Who This Is For

  • Islamic banks and financial institutions
  • Conventional banks with Islamic windows
  • Islamic fintechs and neobanks
  • Investment and wealth management firms
  • Institutions operating in GCC, MENA, Southeast Asia, and global markets

If Islamic finance is strategic to your growth, infrastructure quality is decisive.

Why ProventumLabs

  • Deep fintech and core banking expertise
  • Strong understanding of Islamic finance principles
  • Modular, future-proof architecture
  • Enterprise delivery standards
  • Long-term partnership mindset

We don't retrofit Islamic banking. We engineer it correctly from the ground up.