Smart Solution has provided innovative digital financial management solutions to financial institutions worldwide since 1985. The Universa suite of products, an integrated suite of digital core financial processing and management solutions, with its flagship Universa Core banking System, is a leading-edge, integrated, browser-based, mature financial platform. The Universa suite of products includes Loan Origination, CRM, Mobile, Internet, Telephone and Voice-Driven Banking, Alert Management, Delinquency and Collections solutions, and more.