Neobank development at Finoserv covers the app your customers use and the systems behind it that connect to a bank or electronic money institution (EMI). We design, build, integrate and run the technology, and you own it. Accounts, cards and payments sit on the licence of your licensed partner, which carries out the regulated activity and makes the compliance decisions.
A digital banking platform built around your partner
Most new banking products start on a partner's licence. The partner might be a bank, an EMI or a card issuer, depending on the country and what you plan to offer. We help you shortlist the partner types that fit your markets, then build to their requirements from the first sprint: onboarding flows that match their KYC policy, the transaction limits they set and the reports they ask for. Because the product is shaped around the partner's rules from the start, review before launch tends to be more straightforward.
Core banking integration and payments
Your app needs a ledger it can trust. We connect to your partner's core banking system where one exists, or set up a modern ledger that reconciles to it each day. On top of that we add the services customers expect: transfers on local rails, bill payments, a card issuing platform for debit or prepaid cards, and payment gateway development if you also serve merchants. Each integration is documented and tested against the partner's sandbox before it carries live money.
What you own at the end
You own the code, the designs, the brand and the customer data model, subject to the data terms agreed with your partner. Hosting can sit in your own cloud account from day one. If you later apply for your own licence, or change partners, the product moves with you. The integration layer is designed so a partner can be replaced without rebuilding the app.
How the engagement runs
Work starts with Discover, two to four weeks that end in a fixed quote, a partner shortlist and a release plan. Design and build follow, with a working demo every two weeks. After launch, our managed operations team can prepare KYC reviews for your partner's decision, monitor transactions and run reconciliation alongside you, or hand everything to your own team when you are ready.
If you want a faster start, our launch packages use pre-built account, card and payment modules that we adapt to your brand and partner. If you plan to add prepaid or corporate cards later, see card programme management.