Danesh Refah Pardis

Background

The Danesh Refah Pardis Company was established in 2016 with the aim of producing, developing, and supporting banking software. It commenced its official activities at the premises of “Iran Dadeh Pardazi” under the project name Refah. Since 2022, the company has operated independently in the field of modern banking services, leading the provision of specialized banking services while meeting customer needs. With a continuous enhancement of organizational knowledge in specialized fields of information technology and communications, and relying on its expertise, the company maintains its mission through a secure and updated infrastructure supported by ongoing maintenance. This company is committed to a professional vision for the future, striving to complete the value chain of information and communication technology in our esteemed country. The company dedicates all its efforts to achieving its objectives and aligning with the latest technological advancements in this industry.

Scope of activity

Central banking

Delivering services for transactions issued through different gateways, ensuring the system’s effectiveness in providing rapid responses to transactions, advancing banking services, and presenting new initiatives, along with supporting existing systems.

Refah Mobile Banking Services

This service has been designed and implemented to provide optimal and suitable electronic services to customers through web and Android platforms for use on mobile phones. The system encompasses a wide range of electronic services, including fund transfers, check services, special payment orders, and account management.

Refah Bank Internet Banking

This platform has been developed to deliver efficient and appropriate electronic services to its clientele. This platform consists of two segments: personal and corporate, and includes a comprehensive array of electronic services such as money transfers, card services, deposit of identified remittances, bill payments, insurance premium payments, check services, online account opening, and account management.

Bank Refah Channel Management

The infrastructure of the Bank Refah Channel Management system was designed and implemented in 2008 with the aim of providing integrated services to customers. This system is based on a service-oriented architecture and utilizes one of the leading enterprise service bus (ESB) frameworks. This architecture enables various primary and secondary systems, including the bank’s core system, internet banking, mobile banking, centralized currency system, bank switch, and top-up purchase system, to deliver services through a centralized infrastructure. The channel management infrastructure has significantly enhanced service delivery to customers by providing centralized authentication services, financial controls (daily and per transaction-service, and transaction reversal in case of errors), access level management through user-account-card mapping, and a variety of services presented as seemingly distinct channels while being fundamentally identical. Additionally, it offers centralized reporting and more. One of the key demands of the bank has consistently been the ability to respond to a greater number of customers through non-physical channels, the speed of service delivery in electronic services, the acceleration of service development, and the integration of systems across all levels, including data, business processes, and user interfaces.