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The List of Digital Banking Platforms

April 2024

Banking went through tremendous changes. Recent years brought not only digital banking but also mobile solutions. Also, highly customizable and personalized offers that traditional banks have to compete with. With digital banking platforms, traditional firms offer multiple services across different channels and with the customer in mind.

What are digital banking platforms?

Which is not that obvious at all. Previously, the client was a claimant. A person who brings the business and generates revenue. Today, everyone is a valued customer. Not only because the market and competition demand it but also because there’s a potential in treating everyone the same. Unless a person falls into the category of private banking and has highly tailored personal service, everyone is perfectly the same. And that means financial software covering every aspect of one’s life.

Digital banking platforms offer clients these things:

  • access on multiple devices
  • personal customer service with digging deep into the nature of the problem and finding the best solution or a product to fulfill the need
  • multiple ways to contact the bank (email, phone, chatbot, etc.)
  • integration with third-party systems and products

To be considered as such, digital banking platforms must offer services solely online, as opposed to online components of a standard offer. These solutions heavily rely on process automation, web- and mobile-based services. They also utilize artificial intelligence (AI) and other various forms of support to recognize customers and process-related data.

The strong suit of digital banking platforms

By adding, for example, a third-party debit card to a digital bank’s products list, digital banking platforms offer customers a wider range of financial services. It’s because the core of operations relies on customer experience and satisfaction. These mostly mobile banking software solutions, cover all major needs of a person interested in finance. 

Conveniently, a user can take a loan, act on payment requests, check account information and balance, take a look at spending dynamics and analytics, and finally invest in multiple products. He or she can also buy insurance or engage with their money in many other ways. Through digital wallets, for example, that are linked to cryptocurrency investments.

Digital banking platforms offer possibilities that are the same for everyone, but after logging in, highly personalized. It’s because Big Data and other forms of analytics are used to determine what the user is interested in, what his capabilities are, and what solutions might suit him or her the best. 

The art of making it work

Creating these types of products isn’t easy. It requires technical fidelity and knowledge about customer experience. If you want to compare your product idea to the market, use our list to do so. If you want to create a similar product, check banking software development services that suit your needs.

51

VeriChannel

250+ Employees
London, United Kingdom
Est. 1998
Omni-Channel delivery platform for delivering digital banking capabilities across multiple channels VeriChannel – Omni-Channel Delivery VeriChannel offers a secure, unified platform that empowers organizations to manage seamless, consistent and engaging customer journeys across multiple customer touch points. VeriChannel uses fully responsive user interfaces; customers and employees can access the system from devices of varying sizes and resolutions. It allows customer needs to be captured, insights to be derived and conversations to be personalized and optimized. As a reliable and scalable platform for Omni-Channel Banking, VeriChannel sits on top of existing IT systems and enables zero footprint and secure integration to disparate business applications. With Internet Banking, Mobile Banking, Kiosk Banking, ATM Screens, Contact Centre Banking and Customer Service Representative modules, VeriChannel gives customers access to do what they need anytime, anyplace and on any device. Along with the extensive channel coverage, with wide-ranging features such as Chatbot Banking, Watch Banking, AR Banking, Voice Banking, Mobile Wallets and Merchant Portal, VeriChannel empowers organizations to manage more engaging consumer journeys 24/7. Reduce Cost of Development VeriChannel is designed to bring down the cost of development for an Omni-Channel experience. VeriChannel does this using its built-in screen designer. A business analyst can easily design new screens for any new transaction using a simple drag and drop user interface. Reduce Time to Market With VeriChannel, organizations can dramatically accelerate the time to market using ready-to-go functionality which leverages industry best practices. Organizations can easily add extensions with the easy to use VeriChannel Visual Designer along with the readily available integration connectors. Provide a Consistent and Scalable User Experience No matter which channel the customer chooses to use, VeriChannel will ensure consistent user experience by providing all the same features and functionality in a self-service mode as is available to a relationship manager in the branch. Encourage Self Service Channels VeriChannel empowers organizations to take control of their digital strategy by delivering consistent, Omni-Channel application experiences across the multiple channels available today and in the future. You can encourage customers to adopt low-cost channels by offering specialized channel-specific products.
Specialities
  • Financial Mobile Apps
  • Loan Origination
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52

VNPAY

250+ Employees
Hanoi, Vietnam
Est. 2018
VNLIFE is a diverse ecosystem comprising of leading companies driving transformations in both traditional and growing demand sectors in the economy such as tourism, logistics, commerce, and constantly expanding its presence beyond Viet Nam to Singapore, Myanmar and Cambodia.
Specialities
  • Payment
  • E-commerce
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53

WinWebServer

250+ Employees
Bari, Italy
Est. 1992
AURIGA IS THE RECOGNISED ITALIAN LEADER IN INNOVATIVE OMNICHANNEL BANKING SOLUTIONS. THE WINWEBSERVER (WWS) SOFTWARE IS A PROVEN AND MODULAR SOLUTION THAT PROVIDES FEATURE-RICH BANKING SERVICES THROUGH ALL CHANNELS INCLUDING MOBILE, TABLETS, PCS, KIOSKS AND ATM MACHINES. WWS IS THE PERFECT SOLUTION TO INCREASE THE PROFITABILITY OF YOUR CUSTOMER RELATIONSHIPS THROUGH THE DELIVERY OF PERSONALISED SERVICES, WHEREVER AND WHENEVER YOUR CUSTOMERS NEED THEM.
Specialities
  • Multichannel Banking
  • Mobile Payment
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54

Xelerate Corporate Banking

250+ Employees
Trivandrum, India
Est. 1990
Xelerate Corporate Banking is a highly functional and technology-agnostic product suite that empowers the clients to create real-time personalized offerings to improve profitability and customer experience while optimizing customer lifetime value. Xelerate Corporate Banking enables service providers to develop, launch and monetize innovative offerings quickly.
Specialities
  • Centralized Billing
  • Revenue Management
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55

Zafin Product Suite

250+ Employees
Toronto, Canada
Est. 2002
With Zafins solutions, your bank can engage in complex product management and client value calculations without jeopardizing the stability of underlying systems.
Specialities
  • Revenue Management
  • Centralized Billing
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56

Alogent Enterprise Deposit Automation

50-249 Employees
Peachtree Corners, United States
Est. 1995
Alogent provides financial institutions with mobile and branch deposit automation, item processing, enterprise content management, and omni-channel account opening solutions.
Specialities
  • Deposit Automation Solutions
  • Enterprise Content Management
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57

Appway Digital Banking

50-249 Employees
Zürich, Switzerland
Est. 2003
Appway Digital Banking Platform supports real digital transformation through intelligent process orchestration, enabling authentic human interactions across all touchpoints in the physical and digital worlds.
Specialities
  • Business Process Management
  • Financial Services
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58

Arttha Digital Banking

50-249 Employees
Singapore, Singapore
Est. 2011
Arttha Digital Banking empowers banks to deliver a superior customer value and profitably transition to a digital age. Arttha’s configurable platform seamlessly integrates with the existing legacy systems and allows banks to seamlessly launch innovative products and services to cater to the changing customer needs. Arttha Digital Banking is a multi-tenant, open API based software that is capable of providing an omnichannel experience that assists in engaging new customers and strengthening existing customer relationships. It facilitates the bank to deliver following key values such as Mobile Banking, eKYC, Document upload and management, SMS Banking, ATM-Based Remittances, Card-less ATM amongst a lot more.
Specialities
  • Mobile Payments
  • Multi Currency Operations
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59

awamo 360

50-249 Employees
Frankfurt, Germany
Est. 2015
awamo360 makes your business easy, saves time & money. 360 lets you manage the whole business digitally and with ease.
Specialities
  • Credit Management
  • Microfinance
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60

BANKABLE

50-249 Employees
London, United Kingdom
Est. 2010
Bankableplatform enables you to launch a digital bank from scratch.
Specialities
  • Financial Payment Services
  • Electronic Wallet Services
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61

BankFlex

50-249 Employees
Essex, United Kingdom
Est. 1996
BankFlex is an innovative banking suite offering integrated financial services management features for retail and commercial clients.
Specialities
  • Financial Services Management
  • Internet Banking
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62

BANKTRON

50-249 Employees
Vilnius, Lithuania
Est. 2000
BANKTRON is an omnichannel (Internet, Mobile, Web Services etc.) solution for modern financial institutions.
Specialities
  • Online banking
  • Loan Origination Platform
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63

BankWorld

50-249 Employees
Dublin, Ireland
Est. 1997
Provides you with an invaluable 360 degree view of your customer’s information across all channels, enabling you to create specific defined customer segments and design personalised campaigns to deploy across the self-service channels.
Specialities
  • Internet Banking Software
  • Card Management Solution
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64

BankWorld Internet

50-249 Employees
Dublin, Ireland
Est. 1997
BankWorld Internet is an internet banking solution with personal finance management and customer experience personalization capabilities.
Specialities
  • Internet Banking Software
  • Card Management Solution
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65

CapitalDigital

50-249 Employees
Paris, France
Est. 1997
Capital Banking Solutions is a leading provider of end-to-end, integrated banking software for businesses across Europe, Africa, the Middle East and the Americas. The company offers a suite of integrated and modular products for retail, corporate and private banks, as well as financial institutions.
Specialities
  • Core Banking
  • Portfolio Management System
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66

Clear Dynamics Finance

50-249 Employees
Sydney, Australia
Est. 2014
Clear Dynamics helps unlock the future, faster. We are a business empowerment company solving for the need for business to keep changing and adapting. We are inventors of adaptive software that frees businesses from the commercial constraints of fixed systems (time, cost, adaptability). We clear the roadblocks to efficient and effective change. Our software uses metadata and intelligent automation to constantly reinvent and customise itself, while leaving source code untouched. We build in the capacity for dynamic change. What we bring is the ability to cost effectively innovate, adapt, customise and integrate, at speed, without system integrity risk. We start much closer to the solution.
Specialities
  • Financial Services
  • Business Software Solutions
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67

CTNet

50-249 Employees
Yorktown Heights, United States
Est. 1978
ClientTrade® is our longstanding corporate facing solution which is being used by over 30,000 corporates worldwide. In its latest version, CTNet, it is a web-based J2EE solution which can be fully integrated with BankTrade, our back-office application, as well as with other third party back-office Trade Finance systems.
Specialities
  • Trade Finance Solutions
  • Document Preparation
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68

DealPoint

50-249 Employees
New York, United States
Est. 2004
DealPoint helps your Relationship Managers (RMs) optimize every deal with a focus on customer profitability and risk-adjusted return. And you’ll have a complete real-time view of your portfolio. DealPoint seamlessly integrates with your CRM and other in-house systems, as well as third-party data, models and systems. And all without loss of client data privacy. Your RMs have pricing and customer data pre-loaded for them so they get a consistent full view of each customer relationship.
Specialities
  • Rates Management
  • Bank Product Management
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69

Deposit Solutions

50-249 Employees
Berlin, Germany
Est. 2011
Deposit Solutions is a globally recognized Fintech company and the Open Banking platform for deposits. Its proprietary Open Banking technology provides an infrastructure for the global USD 50 trillion deposit market that benefits banks and savers alike.
Specialities
  • Banking Platform
  • Banking Technology
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70

ebankIT

50-249 Employees
Porto, Portugal
Est. 2014
ebankIT is a fully formed beautiful applications including Mobile, Web, Kiosk, TV, smart watch and Branch to deliver a world-class omni-channel customer experience available for Retail Banking, Commercial Banking, Wealth Management and Insurance.
Specialities
  • Banking Products
  • Account Management
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71

eBSEG Digital Banking Solution

50-249 Employees
Toronto, Canada
Est. 2000
eBSEG Digital banking solution offers a secure and rich UX application providing a world-class banking and payment experience to your customers over mobile Banking and Internet Banking. With eBSEG Digital Banking Solution, Enable your customers to access a variety of options about their bank accounts and so much more. Complete access to their transactional history alone most with complete details surrounding the transaction so they have comprehensive information at their fingertips. Whether it’s bank accounts, Credit Cards, Loans, Lines of credit, or Bill payments. It’s available at their fingertips!
Specialities
  • Mobile Banking
  • Mobile Trading
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72

Electrum Retail Banking Platform

50-249 Employees
Cape Town, South Africa
Est. 2012
Electrum provides enterprise software that represents the next generation of payments technology. Electrum technology connects people directly to financial services, millions of times a day. Electrum’s cloud-based transaction platform allows customers to grow their revenues and engage their consumers across all channels.
Specialities
  • Value Added Services
  • Financial Services
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73

Epik Indifi

50-249 Employees
Sydney, Australia
Est. 2016
EPIKInDifi is a young technology company focused on building disruptive digital automation products using latest technologies such as AI and automation. Our product suite is intended to solve some of the core issues faced by the financial services Industry such as new client acquisition, improved customer experience, financial inclusion, reduced operational cost, proactive fraud analytics and regulatory compliance. In a short span, EPIK has been able to acquire an enviable clientele list across 5 continents of Australia, Asia, Europe, Africa and Americas such as some of the key mutual Banks and credit unions in Australia, Fintech start-ups in Australia, a top commercial bank in Mauritius etc. We also have first Neo Digital bank in Australia as our customer and several NBFCs in India. EPIK is a member of Fintech Australia and intends to work closely with the Fintech community in Australia in shaping the new frontiers in Fintech and Regtech.
Specialities
  • Loan Origination
  • Product Engineering
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74

fidorOS

50-249 Employees
Munich, Germany
Est. 2007
A proven open banking platform that helps build and run an entire digital bank whose distinct social and human touch gives you a distinct competitive advantage. A hassle-free platform that quickly and easily brings your digital banking project to life. A nimble digital backbone that can boost performance even for established banks that keep their core legacy system.
Specialities
  • Digital Banking
  • Marketing
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75

FINAMLOR

50-249 Employees
Mumbai, India
Est. 2007
At Finacus, we craft innovative, integrated software solutions and services to cater Banking and Financial Institutions across the globe, taking care of their domain specific challenges and fast-paced industry trends.
Specialities
  • Core Banking
  • Immediate Payment Service
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76

FinTecSystems Open Banking Platform

50-249 Employees
München, Germany
Est. 2014
FinTecSystems ‘Open Banking Platform allows you to access your customers’ bank accounts via banking API for reading account information, balances and transaction revenues. With the information shared by the consumer, you integrate account features and account information into your own application and provide the user with a comfortable user experience.
Specialities
  • Online Banking
  • Account Information Service
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77

Five Degrees

50-249 Employees
Amsterdam, Netherlands
Est. 2010
Five Degrees is the next generation digital core banking platform using state of the art technology to offer functionalities that any modern financial services operation needs independent of their client segments, products and services.
Specialities
  • Core banking
  • Loans Management
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78

Flybits

50-249 Employees
Toronto, Canada
Est. 2013
Flybits delivers personalization at scale across web and mobile to make banking apps the go-to destination for customers. We enable digital and marketing teams to bring the offline experience online and build stronger relationships beyond the branch. Our always-on recommendation engine empowers you to take control of your digital content and engage with customers in the moments that matter.
Specialities
  • Device Management
  • Financial Services
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79

FMS.next

50-249 Employees
London, United Kingdom
Est. 1990
FMS.next is an integrated Digital Banking platform successfully addressing the needs of global Financial Institutions. FMS.next has a flexible and modular architecture coupled with powerful product factory capabilities.
Specialities
  • Financial Services Software Platforms
  • Investment Management Systems
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80

FORPOST

50-249 Employees
Vilnius, Lithuania
FORPOST is made to unite all banking operations in one flexible and convenient system.
Specialities
  • Banking Software
  • Financial Services
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81

Geezeo

50-249 Employees
Braintree, United States
Est. 2006
Geezeo Empowers your financial institution’s online customers, giving them a holistic view of their financial assets, liabilities and budgets.
Specialities
  • Personal Financial Management
  • Banking Software
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82

Geniusto

50-249 Employees
Singapore, Singapore
Est. 2018
Geniusto is a fintech enabler, platform solutions and services provider ⁠— delivering digital banking technologies and services to the BSFI and other sectors across the globe.
Specialities
  • Sales and Marketing
  • Financial Technology
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83

Halcom Corporate Banking

50-249 Employees
Ljubljana, Slovenia
Est. 1992
Extensive suite of banking solutions and products to drive your business.
Specialities
  • Digital Banking
  • Business Banking
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84

Halcom Retail Banking

50-249 Employees
Ljubljana, Slovenia
Est. 1992
A single platform behind independent presentation layers guarantees a seamless user-experience experience and a true omni-channel banking approach.
Specialities
  • Digital Banking
  • Business Banking
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85

Halcom SME Banking

50-249 Employees
Ljubljana, Slovenia
Est. 1992
Halcom’s Digital Banking platform for SMEs is not just another amped-up Retail Internet Banking, or toned-down Corporate one. It is an adaptive, targeted and compelling digital banking proposition for SMEs.
Specialities
  • Digital Banking
  • Business Banking
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86

Insite Banking System

50-249 Employees
Lincoln, United States
Est. 1981
Insite Banking System includes a cost-effective check imaging module that displays processed checks online. Insite Banking System educes overhead for banks, improves customer satisfaction, and enhances workforce productivity.
Specialities
  • Core Banking Software
  • Data Protection
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87

Interact Digital

50-249 Employees
London, United Kingdom
Est. 1985
Interact digital platform enables you to react to rapidly evolving market challenges, regardless of whether you’re a retail or commercial bank, a universal bank, a community bank or a credit union.
Specialities
  • Financial Services
  • FinTech
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88

Leveris

50-249 Employees
Dublin, Ireland
Est. 2016
A full-service, modular, banking-as-a-platform (BaaP) solution for traditional banks, challenger banks & consumer brands entering financial services.
Specialities
  • Core Banking System
  • Full Service Lending Solution
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89

MANTL Digital Banking

50-249 Employees
New York, United States
Est. 2016
MANTL helps your bank or credit union grow deposits and streamline back-office tasks with an omni-channel account opening platform that integrates with your core.
Specialities
  • Core Banking Technology
  • Credit Unions
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90

MatchMove

50-249 Employees
Singapore, Singapore
MatchMove makes it easy for your users to move digital cash securely. Your customers and even your employees can make purchases online and offline, send or receive money from and to anywhere globally, and get credit effortlessly. Its safe, easy and fast.
Specialities
  • Social Networking Platform
  • Mobile Payment
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91

MBanking

50-249 Employees
Vienna, United States
Est. 2005
MBanking is a full function banking application that allows financial institutions to quickly deploy and launch a comprehensive mobile banking channel. MBanking has features which can run on any mobile
Specialities
  • Mobile Banking
  • Business Solution
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92

MobileWare

50-249 Employees
Mumbai, India
Est. 2008
Mobileware Technologies, established in 2010, started as a mobile applications development platform for technologies including Symbian, Blackberry, and early versions of iOS and Android. With founders from the banking and telecom domain, the company found it easy to enter the ‘Mobile Banking’ domain and, from 2013, into the development of digital banking products around NPCI switches and the UIDAI database.
Specialities
  • Unified Payment Solution
  • Mobile Banking
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93

MULTIVERSA FIP

50-249 Employees
Düsseldorf, Germany
Est. 1984
Digital experience and integration platform for banks to provide corporate, business and retail customers with new banking services. MULTIVERSA FIP combines existing verticals, services and new applications into one horizontal platform. MULTIVERSA FIP is highly flexible on both sides: to the customer it offers excellent customer experience, a smart dashboard and broad functionality with a web-based and mobile access point for reaching all digital applications, information and communication instruments through a convenient single sign-on portal; to the provider it offers efficient workflow support and efficient administration.
Specialities
  • Digital Banking
  • Payment and Cash Management
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94

MULTIVERSA IFP

50-249 Employees
Düsseldorf, Germany
Est. 1984
Fully featured payment and cash management banking solution for banks’ corporate customers with a convenient dashboard. The payment and cash management solution MULTIVERSA IFP offers corporate customers a central, domestic and international banking access channel with a convenient and fully responsive dashboard. The modular white label software product for banks support multiple international standards and formats, like SEPA, EBICS, PSD2 and SWIFT. Greenwich institute ranked MULTIVERSA IFP as one of the best corporate financial portals worldwide.
Specialities
  • Digital Banking
  • Payment and Cash Management
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95

NDGIT

50-249 Employees
München, Germany
Est. 2016
Open Banking Plattform
Specialities
  • Digital Lending
  • Open Finance Platform
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96

Neobank

50-249 Employees
New York, United States
Est. 2018
Looking to start your own digital bank / mobile bank / challenger bank / neobank with affordable investment and short timeframe? Then, I have good news for you. Here is the company you are looking for – https://optherium.com/digital-ba… Optherium provides everything needed for the fast launch & effective management of your own digital bank in one place, including licenses, software, compliance, data protection, fraud prevention, dedicated technical and customer support teams, etc. Turnkey Neobank by Optherium is a fully customizable and unhackable solution, backed with the EMI license in the EEA, banking license in the USA, and Brazil. Moreover, any 3rd party API’s and any new functionality may be easily integrated into the platform. It allows businesses to expand rapidly to any country in the world and also to create unique functionality for end-users. This is the most advanced solution that exists on the market and the first neobank built by a cyber-security tech company. Thus, your business and users’ data is fully protected from hacking and malicious insiders. White-label Neobank allows businesses to save up to €5M on investments and 3 years of life on the development of the solution from scratch. With Optherium’s turnkey neobank business can launch a digital bank in 1-3 months in the EEA and less than 3-6 months in any other country in the world. White-label Neobank by Optherium is a revenue-generating tool, offering businesses customizable transactional and subscription fees are powerful sources of income for any enterprise.
Specialities
  • Digital Banking
  • E-commerce
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97

NETinfo Digital Banking Platform

50-249 Employees
Nicosia, Cyprus
Est. 2000
NETinfo Digital Banking Platform provides comprehensive out-of-the-box functionalities and features to satisfy the digital banking needs of today’s consumer-centric financial institutions.
Specialities
  • Mobile Payments
  • digital banking platform
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98

Numerated

50-249 Employees
Boston, United States
Est. 2017
Numerated is the fast-growing fintech making business banking easy for financial institutions and their clients. Banks and credit unions use Numerated’s digital lending platform to meet business expectations for digital convenience and to bring efficiency gains to their internal teams. The platform is unique in its use of data to streamline the origination of any business banking product, from application to decision to close. More than 400,000 businesses and 30,000 financial institution associates have used Numerated to process $50 billion in lending.
Specialities
  • Financial Technology
  • Online Lending
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99

OneConnect Technology

50-249 Employees
Singapore, Singapore
Est. 2018
Our platform provides more than 50 cloud-native products. Through modular deployment of products, we can quickly respond to customer needs, and we can also combine products into solutions to meet client-to-end needs. Our 12 major solutions strategically cover multiple verticals in the financial service industry such as banking, insurance, and asset management, as well as full-process services from marketing and customer acquisition, risk management, to operation and customer service, and from data management to procedures. Develop and provide the underlying technical services of the entire system to the cloud platform.
Specialities
  • Blockchain
  • Artificial Intelligence
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100

Open Banking Digital Platform

50-249 Employees
Dublin, Ireland
Est. 2011
The Open Digital Banking Platform is built with a solid and secure architecture. It comes on top of your existing banking systems centralizing all your data and communications.
Specialities
  • Digital Banking
  • FinTech
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