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Launch your neobank or digital retail bank fast and seamlessly

A powerful solution for a neobanking or consumer banking product, helping get to market faster and save your dev team’s resources. We are here to help you launch fast and affordably.  Get a robust feature set and KYC, card issuing, payment gateway, and currency exchange providers integrations out-of-the-box.

Simply share your product requirements, and we’ll do the heavy lifting for you.


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Build the retail bank your customers will stay with 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.

Accounts in ANY currency

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

Currency exchange

Allow customers to operate any currency they need. Automated currency exchange is in place for transactions involving different currencies.

Expense visualization

Categorize your users’ spendings and present them as charts and diagrams. Show a map of transactions based on the location they have been performed at.

Visa/MasterCard issuing

Offer a full set of cardholder services via issuing Visa/MasterCard cards linked to the customer's account (vendor integration required).

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.

Deeper overview of retail banking software features Platform also presents a robust foundation to add a number of must-haves to your future-ready neo banking solution.

Launch your neobank or digital retail bank fast and seamlessly

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.

Launch your neobank or digital retail bank fast and seamlessly

Customer support

Basic functionality to communicate with your bank users on their requests. Unlimited integration possibilities if you need a more proficient solution.

Launch your neobank or digital retail bank fast and seamlessly

Payment templates

Saving payment details for the client's recurrent transactions.

Launch your neobank or digital retail bank fast and seamlessly

Reconciliation and settlement

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

Launch your neobank or digital retail bank fast and seamlessly

Contracts and vendors

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

Launch your neobank or digital retail bank fast and seamlessly

Roles & permissions management

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

Features out of the box

Serving the customers
Tailored for
Client onboarding
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)

Launch your neobank or digital retail bank fast and seamlessly
Client onboarding

Self-registration via email or phone

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


Automated (via pre-integrated vendors)

Manual (via back-office interface)

Two-factor authentication (2FA)

Launch your neobank or digital retail bank fast and seamlessly

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)

Launch your neobank or digital retail bank fast and seamlessly

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)

Launch your neobank or digital retail bank fast and seamlessly
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

Launch your neobank or digital retail bank fast and seamlessly
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

Launch your neobank or digital retail bank fast and seamlessly
User action history

Log of system activities by clients and team members

Full details: logins, sessions, actions performed

Valuable for investigation purposes

Launch your neobank or digital retail bank fast and seamlessly
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)

Launch your neobank or digital retail bank fast and seamlessly
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)

Launch your neobank or digital retail bank fast and seamlessly
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

Launch your neobank or digital retail bank fast and seamlessly
Operations with cash

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

Launch your neobank or digital retail bank fast and seamlessly

Share your product requirements

And see how aligns with your needs

Get in touch

Design your retail banking solution with productivity in mind

Commission fees & limits
Contracts and vendors

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.

Use case example
Here’s how you can leverage custom fees and limits for money transfers to increase your gross profit:
For transfers up to $1,000, you can set a 2% fee
For sums in the $1,000 – $2,000 range, you can offer a 2%+$5 fee.
For larger sums, a fee can make 3% from the transaction amount or a flat fee of $55+.

In this case, you can use pre-configured limits based on the type of operation and period, to ensure that the pricing plan is beneficial not only for the end-users, but also for your business.

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.

Use case example
For example, let’s consider a scenario where you leverage our platform’s features to maximize revenue through custom contracts:

Instead of a 2% regular money transfer fee that makes $20 per $1000 transfer,
you can offer them a $5-worth monthly subscription for transfers up to $1,000 total.
So, your customers will benefit from a 75% ($15) discount from the regular P2P transfer fee ($20 per month), which will motivate them to choose your neobank.

You benefit from monetizing other financial operations the newly acquired users perform in your bank.

Out-of-the-box integrations 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

Base your neobank on a reliable banking core that is the essence of the knowledge and expertise of our expert team with 15+ years of experience in building payment and banking products.

With a workload capacity of 2,700 transactions per second, retail banking system is able to handle over 233 million daily transactions on a basic configuration. Learn more about the technology here.

Future-proof your digital retail bank

Accelerate time-to-market offers a development cycle shortcut for your retail banking software, putting you right on the doorstep of your banking business launch. Get your digital-only bank on the rails ASAP and turn the first several years of development into the first years of growing your customer base and revenue.

Cloud-based software by subscription

Choose the cloud-based software by monthly subscription for an affordable start. A cloud-hosted backend app with APIs is maintained by our team, and a database is run by yours.

With an isolated infrastructure on AWS, your payment app benefits from heightened security and scalability. In addition to regular software updates, empowers you to develop and maintain innovative payment applications that excel in today’s rapidly changing landscape.

Neobank software 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
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Case studies: digital retail bank solution in action


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 software into its current POS network.


MPAY: A user-friendly payment app

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


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    By pressing “Send” button you confirm that you have read and accept our Privacy Policy and Terms & Conditions Digital Retail Banking Software FAQs

    What are the benefits of using SDK-finance retail banking software?
    1. offers a robust ledger layer-based software that serves as a reliable foundation for building a digital retail bank. You are free to shape your product according to your product vision, shortening the period of active development and saving team resources. A better option than starting from scratch.
    2. Your team can tailor your banking software to meet all industry regulations, security, and compliance standards.
    3. You receive a stable, reliable engine for your banking business which you can easily extend via integrations, virtually without restrictions.
    4. You can use the cloud-based version of our software for a quick start without commitments and huge investments.
    5. We offer the option to switch to the on-premise version by purchasing the source code license for total control and independence anytime.
    Can I request your retail banking product demo?

    Since we offer a foundation for building a digital retail bank, not the ready product, you can access the interactive demo here to get the idea of what the Platform is capable of. If you’d like more details, reach out with your request and we’ll be in touch with you shortly.

    What integrations are supported by the software? architecture allows integrating any 3rd-party tools for each stage of the customer journey. Our open digital banking API set makes it easy to connect the ready-made components to the banking engine rather than having to develop them from scratch.

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

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

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

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

    In the SaaS version, the 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 Platform? 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 an open-source system?

    The 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 backend app.