This document describes a cloud-based application platform for streamlining remittance operations. The platform is built from scratch using web 2.0 technologies to provide a desktop-like user experience. It is designed to scale with business growth. The target market includes banks and financial institutions providing remittance services who want to consolidate applications, integrate products and services, and reduce costs. The platform infrastructure provides security, scalability, disaster recovery, and compliance. It includes modular applications with single sign-on for CRM, compliance, promotions, messaging and more.