Stop War
Get in touch
Get in touch

Launch your neobank with our white-label digital retail banking software

Get a development cycle shortcut for your challenger bank, and turn the first several years of development into the time of growing your revenue. Our retail banking Platform is designed to help you launch fast and affordably, leveraging a robust feature set and out-of-the-box integrations with KYC, card issuing, payment gateway, and currency exchange vendors.

Contact us

Build the retail bank your customers will stay with

SDK.finance Platform offers the features needed to doom your neobank for success and make it the primary hub for all your clients’ banking needs thanks to its customer-centric approach. Our retail banking solution provides a comprehensive suite of functionalities to help you outperform traditional banks in meeting modern consumer needs.

 

Accounts in ANY currency

Let your clients operate the currencies of their choice. Configure unlimited currencies in the system, from fiat to any other type of digital assets.

 

Currency exchange

Allow customers purchase the currency they need. Automated currency exchange is in place for transactions involving different currencies.

 

Visa/MasterCard issuing

Offer a full set of cardholder services via issuing Visa/MasterCard cards linked to the customer's account via a pre-integrated vendor.

 

Popular payments

Integrate local vendors to enable utility bills and internet payments, cell phone top-ups, and payments for other popular services (provider integration needed)

 

P2P money transfers

Enable quick money transfers to the clients’ friends and family within the system, saving their time and helping split the bill.

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

Cash desk operations

Deeper overview of retail banking software features

SDK.finance Platform also presents a robust foundation to add a number of must-haves to your future-ready neo banking solution.

 

Customer onboarding

Fully remote process of account creation and KYC data collection. Our retail banking software solution allows you to streamline the KYC tool integration via its API.

 

Customer support

Use the built in chat functionality to communicate with your bank users on their requests.

 

Reconciliation and settlement

Reconciliations on schedule, quick data mismatch spotting, and convenient exceptions management.

 

Contracts and vendors

Create customer contracts with different sets of commissions and limits. Let your customers choose the preferred contract type.

 

Roles & permissions management

Manage team access to the back-office by customizing the pre-configured roles’ permissions or creating new ones.

Design your retail banking solution with productivity in mind

Commission fees & limits
Contracts and vendors
Commission fees & limits

Maximize your revenue

Use flexible transaction fees and limits configuration to monetize each customer segment and reach the balance between providing value and growing your business profit.

Contracts and vendors

Manage new contracts and vendors

Attract and retain customers via custom contacts. Acquire new client segments by setting up appealing tariffs for the target audience, and profit from other operations’ fees plus an increased LTV.

CRO section video

Out-of-the-box integrations

SDK.finance neobank software is designed to streamline your financial operations with seamless integrations. Our Platform comes with a range of pre-integrated vendors, ensuring a hassle-free experience for payment acceptance, card issuance, and KYC compliance. Explore more information about integrations here.

Dynamic scalability

With a workload capacity starting from 2,700 transactions per second, SDK.finance retail banking system can handle over 233 million daily transactions on a basic configuration. Learn more about the technology here.

Case studies: digital retail bank solution in action

 

Geidea - Leading MENA Payment Service Provider

Discover how a prominent payment service provider 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

Ready to get started?

    By pressing “Send” button you confirm that you have read and accept our Privacy Policy and Terms & Conditions

    Connect with our experts and learn how our Platform aligns with your product needs.

    from 2,700

    Transactions per second

    11+

    Years on the market

    470+

    APIs

    60+

    modules

    Our pre-integrated partners

    Related products

    Mobile wallet

    Available

    Build and manage ewallet products to enable customers to securely transact, pay their bills and track expenses.

    View product page

    Money transfer service

    Available

    Offer your customers a fast, secure, and convenient way to send and receive money across borders and currencies.

    View product page

    SDK.finance Digital Retail Banking Software FAQs

    What are the benefits of using SDK-finance retail banking software?

    SDK.finance offers a robust ledger layer-based software that serves as a reliable foundation for building a digital retail bank. Our retail bank software provides several advantages:

    • You can shape your product according to your vision, shortening development time and saving team resources.
    • Your team can tailor the consumer banking software to meet all industry regulations, security, and compliance standards.
    • You receive a stable, reliable engine for your banking business which you can easily extend via the out-of-the-box integrations plus integrate the providers necessary for your business.
    • The cloud-based (PaaS) version allows for a quick start without huge investments.
    • We offer the option to switch to the on-premise version by purchasing the source code license for complete control.
    Can I request your retail banking product demo?

    Since we offer a backend and backoffice for building a digital retail bank, you can view the demo videos on our website to get an idea of what the Platform is capable of:

    If you’d like more details, reach out with your request and our experts will be in touch with you shortly.

    What integrations are supported by the SDK.finance software?

    SDK.finance  offers a range of essential pre-developed integrations with numerous providers like card issuing, KYC/AML, card acceptance, payment orchestration, open banking, currency exchange etc.

    For your custom integration requirements, our 400+ RESTful API set makes it easy to build integrations with third-party providers of your choice or have them developed by us (subject to prior discussion). This flexibility allows our retail banking platform to integrate with various financial products and services, enhancing your digital banks’ offerings.

    Is SDK.finance digital retail banking system cloud-based or on premise?

    Our Platform is available both as a cloud-hosted PaaS version and an on-premise one with the source code license. Find out the details of the source code purchase and knowledge transfer.

    The cloud-based PaaS option is ideal for creating neobanks and digital banks with quick deployment, while the on-premise solution offers more control for established financial institutions.

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

    Our neo banking software is designed to be adaptable to various regulatory environments, making it suitable for digital banks worldwide. 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 PaaS and source code variants.

    In the PaaS 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.

     

    What technology stack is used for the SDK.finance Platform?

    SDK.finance uses the cutting-edge technology stack. The software is developed on the Java 17 LTS. Our team performs security testing via JUnit, Arquillian, and OWASP security scanner. We review the code quality with SonarQube, UpSource, and FindBugs.

    The implemented REST and gRPC API architecture helps to facilitate integration with third-party providers and services and assists in driving your banking or payment product innovation.

    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. All functionality lies in using the APIs of the SDK.finance backend app. This approach allows us to provide a secure and robust retail banking solution while still offering customization options.