Finance System's core banking layer is a double-entry ledger that is the single source of truth for every account balance in the platform. Every financial movement — a transfer, a fee, a reversal, an interest accrual — posts as a balanced debit/credit entry, so balances stay auditable and reconcilable rather than a number maintained ad hoc by application code.

• Account and account-product management, including savings and term-deposit products
• Centralized fees, limits, holds, and reversal/refund operations
• A transaction master view for operational and audit visibility
• Branch cash/vault and teller session operations

This is the same ledger that both the Individual and Business digital banking channels, and the Backoffice, read and write through — not a separate reporting copy of the real data.