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Pre-developed digital retail banking software

Looking for a flexible and scalable fintech solution to create a digital retail bank? Our Platform provides a powerful core to build your consumer banking product, helping get to market faster and save your dev team’s resources.

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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.

Pre-developed digital retail banking software

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.

Pre-developed digital retail banking software

Customer support

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

Pre-developed digital retail banking software

Payment templates

Saving payment details for the client's recurrent transactions.

Pre-developed digital retail banking software

Reconciliation and settlement

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

Pre-developed digital retail banking software

"4-eyes principle”

A classical mechanism - an operation requires an approval from two people before it can be performed. It is also referred to as the two-man rule or the maker-checker principle.

Pre-developed digital retail banking software

Roles & permissions management

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

Learn how our Platform can accelerate your banking product launch

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Design your retail banking solution with productivity in mind

Commission fees & limits
Flexible pricing plans

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.

Acquire new customers

Attract and retain customers via personalized pricing plans. 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
A custom pricing plan to attract new customers to your digital bank – immigrants who send an average of $1,000 per month to their families:

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.

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.

SaaS or Source code

The digital banking system from comes in two versions – cloud-based SaaS or on-premise with the source code license.

  • Choose the SaaS for an affordable start. A cloud-hosted backend app with APIs is maintained by our team, and a database is run by yours.
  • Choose an on-premise version with source code and have the whole system in your hands for deep customizations as per your product roadmap.

Performance without compromise

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. retail banking system is able to handle the influx of users and transactions, serving as a solid foundation for any features you decide to build on top of it.
Learn more about the technology here.

Choose your Development approach

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

Proficient development team

Turbocharge your digital bank development with experts

Let team of FinTech experts with more than 10 years of experience bring your product to life with our Platform.
  • Accelerated Product launch.
  • Pre-developed FinTech Platform.
  • Expert team without hiring headaches
  • Saved in-house team’s resources
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Self-service development

Equip your team with Platform for streamlined neobank development

Empower your tech team with a ready foundation for faster and more efficient  digital bank development on top of the Platform.
  • Ready-made backend software to build on top
  • No need to start from scratch
  • Efficient development for internal technical team
  • SaaS and Source Code software mode available
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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.


Ready to get started?

    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 SaaS 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.

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