Digital Banking Platforms
Launch full-featured digital banking experiences for retail or business customers
Deliver modern banking services through digital channels. From account opening to payments, lending to investments, this solution provides the infrastructure for banks and neobanks to serve customers entirely through mobile and web interfaces.
Who This Solution Is For
We believe in honest qualification. This solution is designed for specific use cases—not everything.
Designed For
- Banks launching digital-first banking propositions
- Neobanks building from the ground up
- Financial institutions modernizing legacy core banking
- Fintechs with banking licenses seeking infrastructure
- Embedded finance providers offering banking-as-a-service
Not Designed For
- Traditional branch-heavy banking operations
- Wholesale or investment banking platforms
- Pure payment processing without account management
What You Can Launch
Concrete use cases enabled by this solution—focused on outcomes, not features.
Retail Digital Banking
Full-featured consumer banking with accounts, cards, payments, and savings products.
SME & Business Banking
Business accounts with multi-user access, invoicing, payroll, and cash management tools.
Neobank Platforms
Mobile-first banking experiences with modern UX and rapid feature deployment.
Banking-as-a-Service (BaaS)
White-label banking infrastructure for partners to embed financial services.
Digital Account Opening
End-to-end onboarding with identity verification, compliance checks, and instant account activation.
Core Capabilities
Key capabilities grouped by responsibility area—what this solution enables for your business.
Customer-Facing Capabilities
- Digital account opening and onboarding
- Multi-currency account management
- Domestic and international payments
- Card management (virtual and physical)
Operational & Control Capabilities
- Customer service and case management
- Fraud detection and prevention
- Regulatory reporting automation
- Product configuration and pricing
Settlement & Lifecycle
- Interest calculation and posting
- Fee management and billing
- Account lifecycle and dormancy handling
Optional & Integration-Dependent Components
Additional capabilities that may apply depending on your specific requirements and context.
External Providers
Third-party services that can be integrated
- Core banking systems or ledger providers
- Card issuing and processing networks
- KYC and identity verification services
- Credit bureaus and scoring providers
Dependencies
Core infrastructure requirements
- Regulatory licensing and compliance framework
- Integration with national payment schemes
- Customer communication infrastructure
Region-Specific
Geographic and regulatory considerations
- Local regulatory reporting requirements
- National payment scheme integrations
- Tax withholding and reporting
Final scope depends on banking license type, regulatory jurisdiction, and integration requirements.
How This Solution Uses the Platform
Digital Banking leverages the full breadth of platform products to deliver comprehensive banking capabilities.
Security & Compliance
Security is built into every layer of this solution. Here are the key controls and compliance considerations.
View Full Security DetailsSecurity Highlights
- Bank-grade security controls and encryption
- Multi-factor authentication and session management
- Comprehensive audit logging for regulatory compliance
- Segregation of duties and approval workflows
- PCI-DSS and local banking regulation alignment
- Regular security assessments and penetration testing
Delivery & Rollout Considerations
Our approach to implementation focuses on phased delivery and realistic scoping.
Phased Approach
Digital banking implementations typically follow a phased approach: core accounts and payments first, followed by cards, lending products, and advanced features based on business priorities.
What Affects Scope
- Product portfolio complexity
- Core banking integration or replacement scope
- Regulatory and compliance requirements
- Migration of existing customers and data
- Channel and integration requirements
Banking platform implementations require detailed discovery. Timelines are established through collaborative scoping.
Ready to Explore Digital Banking Platforms?
Let's discuss how this solution can support your business goals. Our team is ready to understand your requirements and explore what's possible.