Digital Banking Solution

Create a seamless digital banking product to meet your customers’ financial needs and grow your business profit. Speed up time-to-market, building on the SDK.finance pre-developed banking software on your own, or have our dedicated team with over 15 years of experience develop it for you.

Key features of SDK.finance digital banking solutions

The SDK.finance platform provides the essential functionality required to make your digital banking solution meet all of your customers’ banking needs, thanks to its flexibility and customer-centric approach.

Multi-currency accounts

Enable your customers to manage funds in their preferred currencies and streamline international transactions.

P2P money transfers

Facilitate the transfer of funds between customers’ friends and family within the system, simplifying the process of splitting expenses.

Currency exchange

Provide automatic currency exchange for transactions with different currencies.

Popular payments

Connect with local providers to enable utility bill payments, Internet payments, cell phone top-ups.

Expense tracking

Help your customers categorize and visualize their expenses, offering a clear overview of their financial health.

Features out of the box

Serving the customers

Tailored for

Client onboarding

Accounts

Transactions

AML/Anti-fraud capabilities

Built-in CRM

User action history

Tailored for

Individuals (ewallet, neobank, money remittance, currency exchange)

Merchants (payment acceptance via POS or online)

Corporate (neobank for corporate clients) (coming soon)

Client onboarding

Self-registration via email or phone

Flexible survey and document uploading (such as identity, utility bills, etc)

KYC

Automated (via pre-integrated vendors)

Manual (via back-office interface)

Two-factor authentication (2FA)

Accounts

Accounts in any currency

Any digital assets: crypto, points, bonuses, etc.

Ledger for accounting and reflection in the system of any currencies or digital assets

Card issuing (via pre-integrated vendor)

IBANs (via pre-integrated vendor)

ACH (via pre-integrated vendor, coming soon)

Transactions

Top-ups and withdrawals

Payment gateway operations (via pre-integrated vendors)

In-system transfers or payments

In-system currency exchange

External currency exchange (via pre-integrated vendors)

Payment link

QR-payments (coming soon)

Refund and chargeback (coming soon)

AML/Anti-fraud capabilities (coming soon)

Identify suspicious transactions promptly

Obtain the client’s confirmation to exclude fraud

Get a proof of income from a client to be AML-compliant

Freeze/unfreeze customer accounts if necessary

Close the case

Built-in CRM (coming soon)

All customer details and activities in one place

Communication with clients and creating notes

Chats with customers via in-system messaging service

Notes about a customer for future

User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

Monetization and finances

Contracts and vendors

Fees and limits

Reconciliation and settlement

Operations with cash

Contracts and vendors

Vendor terms and conditions input

Creating customer contracts with different sets of commissions and limits

Let customers choose the preferred contract type (e.g. with or without monthly fees)

Fees and limits

Customizable fees for any transaction: %, flat fee, or combination of them

Configuring the fee bearer (sender or receiver)

Transaction limits (per period, amount or number of transactions)

Reconciliation and settlement (coming soon)

Company liabilities reconciliation

Liabilities in front of your clients

Liabilities in front of your vendors

Identifying unmatched transactions and discrepancies

Resolving the detected issues

Clear picture of your company’s gains on top of transactions

Operations with cash

Ability to account any type of cash and manage “cash-desk” operations

Affordable and cost-efficient digital banking solution

Hybrid-cloud deployment

The software is deployed and maintained in the cloud by our team, while your team fully controls and hosts the key databases.

API-first architecture

Easily integrate your Product with third-party services utilizing its 400+ REST APIs.

Subscription and source code license

Choose the right version: a cloud-based software or an on-premise version with a source code license.

Experienced technical team

Get a dedicated team with 15+ years of experience in developing payment products to launch your digital banking solution faster.

Digital banking solutions development approach

Our company supports you in the implementation of your idea, from the conception to the implementation of your FinTech product.

Accelerated Product launch.
Pre-developed FinTech Platform.
Expert team without hiring headaches
Saved in-house team’s resources

Digital banking Platform to drive growth

Base your digital bank on a reliable pre-developed PayTech core to launch your digital banking solutions faster.

Enter the financial market faster

Build your digital banking solution in a short time and transform the initial development steps into the main phase of growing your customer base and revenue.

Easily integrate with third-parties

Our API-first architecture ensures easy integration with third-party services, allowing you to expand your offerings. We also have pre-integrated vendors for payment acceptance, card issuance, and KYC compliance.

Scale smoothly

We use the cutting-edge technology suite, carefully selected to help businesses achieve three goals: expansion, scalability, and security. The system can easily handle over 34 million daily transactions on a basic configuration.

Attract customers

Promote customer acquisition and retention through customized contracts and pricing plans. Increase profitability through higher customer lifetime value and operating fees.

Boost retention

Exceed customer expectations by responding quickly to inquiries and proactively anticipating their needs, driving loyalty and revenue.

Increase revenue

Monetize different customer segments through customizable transaction fees and limits.

Share your product requirements

And see how SDK.finance aligns with your needs

Get in touch

Case studies: digital retail bank solution in action

Our banking software supports companies that process large payment volumes and enables them to create digital banking solutions with our pre-developed payment Platform.

Leading MENA Payment Service Provider

Discover how a prominent payment service provider (NDA) in the MENA region has enhanced its core transaction accounting system by integrating SDK.finance software into its current POS network.

Explore

MPAY: A user-friendly payment app

Learn about how MPAY utilized the SDK.finance Platform to transform their cash-in payment kiosk network into a comprehensive application catering to the customers' payment needs.

Explore

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SDK.finance Digital Banking Solution FAQs

Can I request your digital banking solution Demo?

Yes, we provide an interactive sandbox demo environment on our product Demo page. It’s available there and then, no need to send a demo request and wait.
If you need more details or have any questions, do reach out to us and we’ll be in touch with you shortly.

What integrations are supported by the SDK.finance digital banking software?

SDK.finance architecture allows integrating any 3rd-party tools for each stage of the customer journey. Our 400+ REST API set makes it easy to connect the ready-made components to your platform SDK rather than having to develop the necessary functionality from scratch.

What technology stack is used for the SDK.finance digital banking platform?

A technology stack is a complex of programming languages, frameworks, and databases used to create a payment solution. SDK.finance utilizes the following technologies for digital baning solution:

Programming languages: Java 17 LTS
Frameworks: Spring 5.3.9, Spring Boot 2.5.4, VUE.JS 2.6.12
Databases: PostgreSQL 13.3, MongoDB 4.2.2

Are there any location-related restrictions for using your digital banking solution?

There are no location-related restrictions for using digital banking software from SDK.finance. The primary databases are under your team’s control in both subscription and source code variants.

In the cloud-based version, the SDK.finance hosts and maintains only the backend application on AWS or another cloud service provider. Consequently, you can comply with regulatory requirements related to sensitive data management and storage.

Is SDK.finance an open-source system?

The SDK.finance system is available as a cloud-based version by subscription or one-time source code license purchase. You can download and modify our front-office and back-office UI packs/UI kits at GitHub, but all functionality lies in using the APIs of the SDK.finance backend app.