I-Clique Solutions Limited (ICSL)

I-Clique Solutions Limited (ICSL) Digital Banking, Payment & Card Technology — founded 2016

 ICSL is a technology company specializing in financial technology and digital payment solutions, working as local representative and global implementation partner of Silverlake Symmetri, Malaysia (part of Silverlake Axis, publicly listed in Singapore). ICSL combines this international expertise with strong local implementation capability.

Flagship Platforms

 Card Digitalization System (CDS)Powered by Silverlake

A secure card digitalization platform enabling NFC contactless payments, token provisioning and full token lifecycle management for Visa and Mastercard — with the bank retaining complete control and auditability

  • API-based provisioning, fully compliant with VTS & MDES
  • Google Pay, Apple Pay & Samsung Pay etc. enablement
  • Token lifecycle management for all Visa & Mastercard functionality
  • CMS, SMS operator & email gateway integration
  • Unlimited product & new card-art maintenance
  • Risk controls, authentication & encryption built in

Built on a distributed, bank-controlled architecture that separates cryptographic security from business logic: I-Connect is the scheme-facing gateway handling encryption, certificate/key management and message validation with Visa and Mastercard; B-Connect is the bank’s core business engine, running cardholder validation, risk and fraud rules, and token provisioning decisions.

Merchant Onboarding System

 A unified digital onboarding and engagement platform spanning self-service and RM-assisted acquisition, automated risk decisioning, and back-office QC — delivered for BRAC Bank.

Acquire

Step 01

Verify

Step 02

Decide

Step 03

Activate

Step 04

Engage

Step 05
  • Self- & RM-assisted onboarding
  • NID OCR, liveness & e-KYC capture
  • Automated risk scoring with maker-checker QC
  • POS / ECOM / QR / SoftPOS acceptance
  • Payment links with SMS & email dispatch
  • Full audit trail & role-based access

 Outcome: faster merchant activation, lower onboarding risk, and real-time visibility for the bank’s operations team.

Broader Solution Set

  • Credit & Debit Card Management
  • ATM Card Management & Controller
  • POS Management
  • EFT Switching
  • QR Payment & Switching
  • Mobile Wallet
  • Digital Banking Software
  • Core Banking Solutions
  • Visa / MC / JCB / Amex Certification
  • PCI-DSS Compliance
  • Penetration Testing
Support Service Structure
  • Severity Response Resolution Escalation
  • Critical 15 min 4 hrs Immediate → Support HeadHigh 30 min 8 hrs Team Lead → PM
  • Medium 2 hrs 24 hrs Team Lead
  • Low 4 hrs 48 hrs Standard process
Selected Clients & Implementations
  • BRAC Bank — ATM Card, Credit Card Management System & Google Pay
  • Southeast Bank — Credit & Debit CMS, ATM/POS controller, Issuing/ Acquiring E-commerce Gateway & Google Pay
  • Premier Bank — CMS, ATM Controller & E-commerce Gateway
  • City Bank — Google Pay
  • Mutual Trust Bank — Google Pay
  • NRB PLC- Google Pay
  • Dhaka Bank PLC