OBS

What OBS does

OBS Financial Solutions Pte. Ltd. is a Singapore-headquartered software company founded in 1990 that builds treasury management systems for financial institutions across the Asia-Pacific region. Its flagship product, OSTS (OBS Settlement and Trading System), is a modular, front-to-back treasury platform covering trade entry, risk management (credit, market, operational, liquidity), settlement processing, and accounting ledgers, with Straight-Through-Processing integration. OSTS is delivered in four variants — Plus for SME banks, Professional for large banks, Corporate for non-bank financial institutions, and Islamic for Syariah-compliant banks — each differentiated by underlying calculation methodology (basic fair-value mark-to-market, advanced zero-yield-curve, corporate finance automation, and Syariah-specific accounting respectively). The platform is being re-platformed to OSTS 4.0 on a hybrid cloud architecture with API integration and mobile access.

OBS operates a direct enterprise sales model, deploying complete pre-sales and post-sales teams in each country it serves. It maintains wholly-owned subsidiaries in Indonesia (PT. OBS Solusi Teknologi Indonesia) and China (Xingrong Software Technology Shanghai Co., Ltd.) alongside its Singapore headquarters, and serves named customers including Credit Suisse, UBS, Barclays, Singapore Exchange, and a long tail of Indonesian regional banks. Revenue is generated through subscription-based software licensing plus professional business consulting engagements staffed by treasury experts with more than 40 years of combined experience. The company has 11-50 employees and is privately held with no disclosed institutional investors.

Name

OBS

Legal name

OBS Financial Solutions Pte. Ltd.

Website

https://obssolution.com.sg

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

OBS Financial Solutions is a Singapore-based software company founded in 1990 that builds the OSTS treasury management platform for banks, non-bank financial institutions, and Islamic banks across Asia-Pacific via direct enterprise sales.

Ownership category

akta.pro rank

Product category

Treasury Management Software

NAICS

Finance and Insurance (52)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

SFT Technology Platforms (Repo/SLB OMS/EMS, Matching) (FSACAIAM)

Keywords

• Treasury management software
• Banking software solutions
• Financial risk management
• Settlement and trading systems
• Islamic banking software

Headquarters

HQ city

Jurong West

HQ country

Singapore

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licensing and Subscription: OSTS™ software solutions provided to financial institutions with various pricing packages including affordable prices, complete features, and support services. Module-based design allows flexible implementation.
2. Professional Business Consulting: Treasury business consulting services powered by experts with more than 40 years of experience providing solution advice from various points of view.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

OBS develops and licenses OSTS™ (OBS Settlement and Trading System), a modular cloud-based treasury management software platform for financial institutions. The platform covers trade entry, risk management, settlement processing, and accounting ledgers, offered in four variants targeting SME banks, large banks, non-bank financial institutions, and Islamic/Syariah banks. OBS also delivers Professional Business Consulting services leveraging treasury experts with 40+ years of experience.

Product overview

OBS offers a modular-based treasury solution platform called OSTS™ (OBS Settlement and Trading System), which includes four product variants targeting different market segments: OSTS™ Plus for SME Banks, OSTS™ Professional for big banks, OSTS™ Corporate for non-bank financial institutions, and OSTS™ Islamic for Islamic/Syariah banking. All variants share the core treasury engine with varying calculation methods (basic fair-value, advance zero yield curve, corporate finance automation, and Syariah-specific calculations). The platform provides end-to-end capabilities including trade entry, risk management, settlement, and accounting ledgers. Additionally, OBS provides Professional Business Consulting services powered by treasury business experts.

Differentiator

Problem solved

Functional benefit

Brands

• OSTS™: OBS Settlement and Trading System - Flagship treasury solution product line with variants including OSTS™ Plus (SME Banks), OSTS™ Professional (Big Banks), OSTS™ Corporate (Non-Bank Financial Institutions), and OSTS™ Islamic (Islamic/Syariah Banking).
• OSTS™ Plus
• OSTS™ Professional
• OSTS™ Corporate
• OSTS™ Islamic

Products and services

• OSTS™ Plus Treasury solution designed for SME banks with standard comprehensive requirements, featuring basic fair-value calculation mark-to-market method and comprehensive front-to-back integration in a single system covering trade entry, risk management, settlement, and accounting ledgers.
• OSTS™ Professional Treasury solution designed for large banks with advanced comprehensive requirements, featuring advance zero yield curve calculation mark-to-market method and sophisticated treasury core engine for well-developed banks.
• OSTS™ Corporate Treasury solution designed for non-bank financial institutions, featuring corporate finance automation method to reduce manual workloads and providing a single integrated comprehensive solution with graphical analysis, reporting, and cash flow projection capabilities.
• OSTS™ Islamic Treasury solution designed for Islamic/Syariah banking treasury requirements, featuring specific calculation and definable accounting methods based on Syariah banking regulation to support shariah-compliant treasury operations.
• Professional Business Consulting Professional treasury business consulting service supported by qualified experts with at least 10 years of experience, providing an overview of solutions for banks and non-bank financial institutions from various points of view.

Quantifiable outcome

• Reduced manual work through STP approach, increasing profitability
• +3 more outcomes

Named customers13 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Scale indicators5 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• FIS: FIS delivers treasury, risk, and capital markets software (including the Quantum and derivatives platforms) at global scale, competing with OBS especially in larger bank RFPs where end-to-end vendor breadth matters.
• Temenos: Temenos is a leading core banking and digital banking platform; while not a pure treasury vendor, it competes for the same bank IT wallet and increasingly bundles treasury-adjacent capabilities, threatening OBS at the SME bank segment.
• Broadridge Financial Solutions: Broadridge provides capital markets, post-trade, and securities processing technology, overlapping with OSTS™'s settlement and trading system capabilities for banks and exchanges in APAC.
• Oracle Financial Services Software: Oracle's banking platform (formerly Oracle FSS) offers treasury, risk, and compliance capabilities for large banks, competing with OBS at the upper end of the market where full-stack enterprise platforms are preferred.
• Finastra: Finastra's broad banking software suite (including treasury and capital markets solutions) competes with OBS by offering a wider portfolio spanning core banking, payments, lending, and treasury under one vendor.
• SAP (Treasury Management): SAP's Treasury Management and Financial Supply Chain solutions target corporate and bank treasury, competing with OSTS™ in segments where ERP-driven treasury workflows are preferred, particularly among large corporates and some banks.

Direct peers

• ION Group: ION provides trading, treasury, and capital markets technology through multiple acquired platforms, directly overlapping with OSTS™'s trading, risk, and settlement functionality for financial institutions.
• Murex: Murex provides the MX.3 platform for trading, treasury, risk, and post-trade processing, directly competing with OBS's OSTS™ in the same treasury and capital markets software category for banks.
• Calypso Technology: Calypso offers a unified front-to-back treasury and capital markets platform with cross-asset trading, risk, and settlement — overlapping directly with OSTS™'s trade entry, risk, and settlement capabilities for banks.

Emerging players

• Path Solutions: Path Solutions specializes in Islamic banking software (iMAL), competing most directly with OSTS™ Islamic in the underpenetrated Syariah banking treasury niche across MENA and Southeast Asia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/obs-financial-solutions-pte-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OBS