As a digital banking solutions provider, we work for institutions that already hold the licence: banks, EMIs, payment institutions and other regulated firms. You have customers, a core system, a risk framework and a regulator. You want new digital products, a partner programme or a new channel, and you need them to fit what you already run.
Your situation as a licence holder
Three constraints usually shape the work. The first is the core banking system, which may be decades old, batch-oriented in places and changed only in set windows. The second is vendor risk: any new supplier goes through outsourcing, information security and business continuity reviews, and your regulator may expect notification for material outsourcing. The third is data residency, which decides where customer data can sit and who can access it.
We plan for all of these before any code is written. Discover includes your IT, architecture, risk and compliance teams, and ends in a fixed quote and a plan that respects your change calendar.
Core banking integration without replacing the core
We connect digital products to your core through the interfaces it already has. Where real-time calls are not possible, a middleware layer handles caching, queuing and reconciliation, so the app can show accurate balances without putting load on the core. Migrations and cutovers are rehearsed in your test environments first.
Vendor risk reviews and data residency
We provide the documentation your risk team needs, accept audit rights in line with your outsourcing policy, and respond to findings with a dated plan. Deployment can be in your own cloud account in the required region or in your data center. Our engineers work through access you grant and can revoke, and every action is logged.
A banking as a service platform for your partners
Many licence holders want to offer accounts, cards or payments to fintechs and platforms. We build the partner APIs, onboarding for programme managers, limits and controls per programme, and the oversight reporting your compliance team needs. You decide which programmes to accept and keep full control of compliance decisions.
Digital onboarding and card programmes
Digital onboarding journeys follow your KYC policy and use the identity and screening vendors you approve. Card programmes connect to your processor and card networks. Both come with the back office tools your operations teams need, and managed fintech operations can support those teams under your policies if you choose.