โœฆ INTERACTIVE DEMO โœฆ

Bank of Tonga
AI-Powered Banking ERP

A complete AI-integrated demo banking management system showcasing cutting-edge financial technology for Pacific island banking โ€” built for Tonga's regulatory and cultural context.

Launch Demo Explore AI Features
T$852M
Total Assets
T$445M
Loans Outstanding
T$681M
Customer Deposits
16.8%
Capital Adequacy Ratio
300
Demo Customers
13
Role Dashboards
๐Ÿค– AI-Powered Banking Intelligence
Every module is supercharged with AI automation, real-time monitoring, and predictive analytics
AI Dashboard
Executive AI Dashboard

Real-time bank-wide KPIs, AI-generated performance alerts, NRBT compliance status, NPL trends, and CEO-level financial snapshot with predictive forecasting.

AI Loans
AI Loan Scoring & Approval

Automated credit scoring, AI-powered repayment capacity analysis, NRBT-compliant collateral LTV assessment for Tonga leasehold properties, and loan pipeline management.

AI Compliance
AML/CFT AI Monitoring

AI-driven transaction surveillance, automated STR/CTR filing, PEP screening, FATF Travel Rule enforcement, and real-time sanctions list cross-matching.

AI Treasury
Treasury & FX Intelligence

Live FX rate monitoring (TOP/USD/NZD/AUD/FJD), ALM gap analysis, liquidity ratio forecasting, NRBT LCR/NSFR reporting, and automated investment portfolio optimisation.

AI Remittances
Remittance Intelligence

AI anomaly detection on remittance flows (38% of Tonga GDP), corridor analysis (NZ, AU, US, UK), cost benchmarking, and automated NRBT remittance reporting.

AI Risk
Risk Register AI

Automated risk scoring, Basel III capital at risk calculations, stress testing scenarios, and AI-generated risk mitigation recommendations aligned to NRBT risk framework.

AI HR
HR & Payroll Automation

AI-assisted PAYE & VNPF computation, payroll anomaly detection, succession planning alerts, overtime trend analysis, and automated Tonga Revenue & Customs submissions.

AI Budget
Budget & Planning AI

AI-powered variance analysis, year-end profit projection (annualised run-rate), department cost trend alerts, and automated management accounts generation.

AI Fraud
Card & Digital Fraud AI

Real-time transaction fraud scoring (99.7% auto-clear rate), card hot-listing automation, unusual pattern detection, and mobile banking behavioural analytics.

AI Collateral
Leasehold Collateral AI

Automated MLNR lease expiry tracking, revaluation schedule alerts, LTV ratio monitoring for Tonga Crown land leases, and AI-driven collateral coverage analysis.

AI Payments
SWIFT & RTGS Intelligence

AI-powered payment fraud scoring, automated dual-authorisation workflows for high-value payments, FATF Travel Rule compliance, and integrated biller API management.

AI Audit
Internal Audit AI

Risk-based audit planning, automated findings classification, AI-generated management letter drafts, and continuous monitoring of audit recommendations implementation.

19 Banking Modules
A full-spectrum core banking system covering every aspect of Pacific island commercial banking
DashboardCustomersAccountsTransactionsLoans & CreditTrade FinanceTreasury & ForexPayments & SWIFTRemittancesCards & DigitalCollateralCompliance & AMLRisk RegisterInternal AuditHR & PayrollBudget & PlanningFinancial ReportsPolicy LibraryDevelopment Roadmap
๐Ÿ‡น๐Ÿ‡ด
Tonga-Specific
  • All collateral is leasehold (no freehold land)
  • NRBT regulatory returns & prudential ratios
  • VNPF (5%) & PAYE payroll compliance
  • TOP (Tongan Pa'anga) multi-currency
  • Remittances as 38% of GDP
  • 4 branch network (Tongatapu, Vava'u, Ha'apai, 'Eua)
๐Ÿ”
13 Role Dashboards
  • Customer (Retail & Corporate)
  • Teller / Branch Manager
  • Loans Officer
  • Compliance Officer
  • Risk Manager / Internal Auditor
  • CFO / CEO / Board Member
  • NRBT Regulator (read-only)
  • IT / AI Administrator
๐Ÿ“Š
2024โ€“2026 Demo Data
  • 300 demo customers with accounts & loans
  • 2,000+ transactions across channels
  • 60 staff with full payroll history
  • 3 years budget & actual data
  • NRBT prudential return history
  • SWIFT/RTGS payment transactions
  • Remittance corridors: NZ, AU, US, UK, FJ
Log In as Any Role
Click any role card on the login page โ€” credentials auto-fill and you sign in instantly
CEO
ceo / CEO@2025
CFO
cfo / CFO@2025
Board Member
board / Board@2025
Compliance
compliance / Comply@2025
Risk Manager
risk_mgr / Risk@2025
Loans Officer
loans_officer / Loans@2025
Branch Manager
branch_mgr / Branch@2025
Teller
teller / Teller@2025
Retail Customer
customer_retail / Customer@2025
Corp Customer
customer_corp / Corp@2025
NRBT Regulator
nrbt / NRBT@2025
Internal Auditor
auditor / Audit@2025
IT / AI Admin
admin / ITAdmin@2025

Ready to Explore?

Experience a full AI-integrated banking ERP tailored for the Pacific. No setup required โ€” log in instantly with any of 13 role accounts.

Launch Bank of Tonga Demo