Our Products

Purpose-built tools that bring audit-grade rigour to everyday finance work. Each product is shaped by Yasir & Co.’s deep advisory experience and Digi8’s engineering practice.

Expected Credit Loss Analytics

ECL

A user-friendly analytical engine that modernises credit-risk management. ECL automates IFRS 9 staging logic, scenario modelling, and provisioning so finance teams can produce auditable results in hours, not weeks.

  • IFRS 9 staging & provisioning
  • Scenario & sensitivity modelling
  • Audit-ready output schedules
Present Value & Discounting Suite

PV Calculations

Bulk present value, NPV, IRR, and effective interest computations for leases, employee benefits, financial instruments, and impairment workflows. Drop in your cashflows — export audit-ready schedules.

  • Lease & benefit obligation discounting
  • NPV / IRR / effective interest
  • CSV in, schedule out
Provident Fund Management

PF

End-to-end provident fund administration — member ledgers, contribution tracking, profit allocation, withdrawal & settlement processing, and statutory reporting in one compliant platform.

  • Member & contribution ledgers
  • Profit allocation & settlements
  • Statutory & trustee reporting
Explore the PF system →
Deep dive — Product 03

Provident Fund Management System

A comprehensive, end-to-end digital solution for managing employee provident fund contributions, profit distribution, loans, and final settlements — fully integrated, policy-compliant, and automated from start to finish.

PF Management at a Glance

Six capabilities that cover the entire provident fund lifecycle.

Employee Contribution

Fixed percentage deducted monthly from salary and credited to each employee’s PF account.

Employer Contribution

Company matches with a configurable percentage based on policy.

Profit / Interest

Annual returns calculated on the total fund and distributed proportionately.

Loan Management

Apply, approve, and track PF loans — deductions handled via payroll integration.

Employee Self-Service

24/7 ESS portal for balances, contribution history, and applications.

Final Settlement

Automated payout on resignation, retirement, or termination with a full statement.

How it works

From the first salary deduction to the final payout, every step is automated and auditable.

01

Employee & Employer Contributions

A fixed percentage of salary is deducted each month and credited to the employee’s PF account, while the employer contributes a configurable matching percentage. Both flow through payroll automatically and are visible to employees in real time via ESS.

02

PF Profit / Interest Distribution

The total fund pool is invested under company policy. Annual profit is computed against investment returns and allocated to each employee proportionate to their accumulated balance — transparent and audit-ready.

03

PF Loan Management

Employees apply online for loans or advances per policy. Configurable multi-level approval workflows route requests, and once approved the monthly instalment is deducted automatically through payroll. Balances, schedules, and outstanding amounts stay live.

04

Employee Self-Service (ESS) Portal

Empowers employees with 24/7 access to PF balances, contribution history (employee + employer), profit details, loan application + tracking, repayment schedules, and downloadable statements — no HR ticket required.

05

Final Settlement

On resignation, retirement, or termination, the system generates a complete final PF statement automatically: contributions, accumulated profit, outstanding loans — ready for disbursement.

Settlement Formula

Total Payable = Employee Contribution + Employer Contribution + Accumulated Profit Outstanding Loan

Why Digi8

What sets the PF module apart.

End-to-End Automation

A fully automated PF lifecycle — from contributions through settlement — that eliminates manual effort and human error.

Policy Compliance

A configurable rules engine enforces company policy and regulatory requirements at every step of the workflow.

Employee Empowerment

Self-service portal gives every employee visibility and control over their balance, history, and loan applications.

Real-Time Reporting

Comprehensive dashboards and reports for HR, finance, and management with always-fresh data.

Built on a modern stack

Open standards, modular architecture, zero vendor lock-in.

React Frontend Responsive, component-based SPA
Python Backend / API REST APIs, business logic, payroll integration
MySQL / PostgreSQL Database Choose to match your existing infrastructure
Docker Containerisation Portable, consistent deployments everywhere

Deploy it your way

Same Docker image, any environment, zero code changes.

On-Premises

Deploy Docker containers on your own server hardware inside your data centre. Full control over data residency and network security.

Best for: Regulated industries, data sovereignty requirements

Private Cloud

Run on a dedicated VM or instance inside your private cloud environment (AWS, GCP, Azure) with VPC-level isolation.

Best for: Hybrid IT strategies, VPC-based isolation

Container Platform

Deploy directly to managed container services — Cloud Run, AWS ECS, Azure Container Apps — for auto-scaling and zero infrastructure management.

Best for: Scalability, serverless operations, CI/CD workflows