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Key Projects

Projects & Innovation

The solution families we design, build and support — digital banking, enterprise software, mobile applications, data analytics and payment security.

Solution Family 01

Digital Banking Solutions

Core banking, ATM switch, card management, mobile banking and payment gateway — regulated, high-availability platforms built and supported by people who have run these systems in production.

Core Banking System

Full-featured banking platform with transaction processing and account management capabilities.

  • Account & customer management
  • Transaction processing engine
  • Product & interest configuration
  • Regulatory reporting support

Card Management

Integrated card lifecycle management including issuance, activation and fraud detection.

  • Issuance & personalisation
  • Activation & lifecycle control
  • Authorisation & settlement
  • Fraud detection & disputes

Mobile Banking

Secure mobile applications for a seamless customer banking experience, anytime and anywhere.

  • Onboarding & e-KYC flows
  • Transfers, bill pay & QR
  • Multi-factor authentication
  • Push notifications & alerts

ATM Switch & Payment Gateway

Transaction switching and payment acceptance across ATM, POS, QR and online channels — delivered as a provider with integration to core banking, card systems and national networks.

  • ATM & POS switching (ISO 8583)
  • Payment gateway for online, QR & mobile
  • Routing to card schemes & national switch
  • Settlement, reconciliation & monitoring
Solution Family 02

Enterprise Software

ERP, HRMS, inventory, loyalty and lottery platforms, plus custom-built applications — back-office systems that replace spreadsheets and disconnected tools with one reliable source of truth.

ERP Solutions

Customised enterprise resource planning systems tailored to your business needs.

  • Finance & accounting
  • Procurement & purchasing
  • Multi-branch consolidation

HRMS Application

Human Resource Management System covering the full employee lifecycle, with payroll and performance tracking.

  • Employee records & contracts
  • Payroll & statutory deductions
  • Leave, attendance & appraisal

Inventory Systems

Real-time inventory management and supply chain optimisation tools.

  • Stock & warehouse control
  • Barcode & batch tracking
  • Reorder & demand planning

Loyalty Management System

Points, tiers, rewards and campaigns that keep customers coming back — for banks, retailers and telecoms.

  • Earn & burn rules, tiers & expiry
  • Campaigns, vouchers & partner offers
  • Mobile app, POS & core integration
  • Member analytics & reporting

Lottery Management System

End-to-end lottery operations platform — from game setup and ticket sales to draws, validation and payouts.

  • Game & draw configuration
  • Retail terminal, agent & online sales
  • Secure draw, validation & prize payout
  • Regulatory reporting & audit trail

Custom-Built Applications

Applications designed and built to your exact business requirements when a packaged product will not fit.

  • Requirements workshops & prototyping
  • Web, mobile & back-office systems
  • Integration with your existing estate
  • Ownership of source code & documentation
Solution Family 03

Mobile Applications

Applications people actually use — fast, intuitive, and reliable even when the network is not.

Cross-Platform Apps

Native and hybrid mobile applications for both iOS and Android platforms.

UI/UX Design

User-centred design with intuitive interfaces and seamless navigation.

Offline Capabilities

Applications with offline functionality for enhanced reliability and accessibility.

Solution Family 04

Data Analytics Platform

Turning transaction and operational data into decisions your management team can act on.

Business Intelligence

Interactive dashboards and real-time analytics for data-driven decisions.

Predictive Analytics

Machine learning models for forecasting trends and customer behaviour.

Data Integration

Seamless integration with existing systems and data warehouses.

Solution Family 05

Payment Security & HSM

S-Tech Solution Lao is an official partner and authorised HSM reseller of Futurex, a cybersecurity and cryptographic technology provider specialising in Hardware Security Modules, payment security, key management, PKI and cloud cryptographic services. We deliver HSM integration services on-premises, in the cloud or as a hybrid deployment — for banks, payment processors and fintechs handling sensitive transaction data.

Excrypt Plus Payment HSM

Secure cryptographic processing and key management for banking and payment transactions, available in scalable configurations to match transaction volume.

  • PIN management & verification
  • EMV processing, card issuance & validation
  • ATM remote key loading
  • MAC / hashing, P2PE & tokenisation

Key Management & PKI

Secure cryptographic key lifecycle management, certificate services and general-purpose encryption across your payment and enterprise estate.

  • Full key lifecycle management
  • PKI & certificate services
  • 3DES, AES, RSA and ECC
  • Payment key-management standards

Cloud & On-Prem Integration

Integration with your payment switch and enterprise applications through standard interfaces, with resilience designed in from the start.

  • Excrypt API, PKCS #11, Java JCA/JCE
  • Redundancy, synchronisation & load balancing
  • Failover & disaster recovery
  • Application partitioning across systems

Typical banking use cases

  • ATM and POS transaction security
  • PIN verification and EMV card issuance
  • Payment switch key management
  • Visa and Mastercard processing
  • Tokenisation and mobile payments
  • Secure cryptographic key lifecycle management

Security & compliance

The Excrypt Plus platform is built to meet major financial security requirements, including FIPS 140-2 Level 3 and PCI HSM standards. Exact certification level, throughput and supported functions vary by model and firmware version — we confirm these against your requirements during scoping, before anything is procured.

FIPS 140-2 Level 3PCI HSM 3DES / AESRSA / ECC PKCS #11Java JCA/JCE
Under the Hood

Technology we work with

We choose proven, well-supported technology — the kind your team can hire for and your auditors are comfortable with — rather than whatever is newest.

  • Enterprise databases with a strong Oracle specialisation
  • Modern web and mobile stacks, native and cross-platform
  • Secure API layers and integration middleware
  • On-premise, private cloud and hybrid deployment

Capability areas

Oracle DatabaseSQL / PL-SQLJava .NETNode.jsReact FlutterAndroidiOS REST & SOAP APIsISO 8583Linux DockerCI/CDPower BI ETL & data warehousing

Stack selection is always driven by the client's existing estate, in-house skills and regulatory requirements.

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