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Digital Retail Banking Software For Your Neobank develops core banking software for neobanks. Find out how our solution may shape your outstanding banking product.

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Future-proof digital retail bank platform

Accelerate time-to-market retail banking solution offers a development cycle shortcut, putting you right on the doorstep of your neobank product 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.

Independence from the vendor

The digital consumer banking solution from comes with the source code license. The databases, infrastructure, and the whole system are in your hands. Source code modifications, integrations, feature development can be handled by your team, at your own pace, as per your product roadmap. You own it – you rule it.
Learn more about the source code purchase and knowledge transfer here.

Performance without compromise

Base your neobank on a reliable banking platform designed by a team with 15+ years of experience in building payment products. The latest – 5th version is the essence of our knowledge and expertise, accumulated through hundreds of millions of transactions, and years of banking software development. retail banking platform is a powerful system 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.

Unlock the power of Data Science and ML

The data warehouse infrastructure gives you the advantage of analyzing your customers’ behaviour holistically right within your dashboard. Get answers to complex questions, actionable insights, and grow your neobanking product revenue. Use ML-powered services for anomaly detection, fraud prevention, business forecasting. Build them on top of the data warehouse on your own, or use a cloud version of banking BI by

Let's discuss how we can help with your banking product launch

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Online retail banking platform designed with productivity in mind

Convenient back office
In-product CRM
Commission fees & limits
Flexible pricing plans
Built-in analytics

Ensure team efficiency neobanking software back-office caters for team agility. It features an uncluttered UI, a convenient dashboard with analytics data on all business areas, system management, and the capability to automate certain tasks (e.g. reconciliations).
This enables every team member to shift their focus from routine operations to important business or customer service tasks, boosting their efficiency. This will reflect on the overall client satisfaction and your revenue growth.

Understand & retain your customers

Our retail banking architecture allows collecting exhaustive info about the users’ activity within the system, which helps improve the customer service. Paired with the built-in analytics, it allows to promptly satisfy the customers’ needs, driving increased loyalty and gross profit.

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
Here’s how you can use a custom pricing plan to attract new customers to your neobank – 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.

Make data-driven decisions

Obtain a bird’s eye view on your retail bank key performance metrics and quickly spot new opportunities or areas to troubleshoot. Gain instant visual insights from the charts and diagrams based on hard data from different angles, like customer segments and cohorts:

Customer acquisition: customer base growth, churn rate & reasons reports

Unit economy: LTV, profit, break-even & payback reports

Earnings: Turnover & revenue, gross margin reports

Product value: popular operations, pricing plans efficiency, pre-churn signals

Transaction rates: payment success, fraud, dispute rate.

Actionable reports
Leverage analytics data to spot operations that can potentially increase your neobank’s profit, reactivate the customers before they churn, adjust pricing plans to retain and engage new users. You can zoom in on any particular metric for deeper insights into your retail banking platform performance.

Watch the demo here .

Build the Digital Bank Your Customers Will Stay With solution for neobanks offers everything needed to doom your consumer bank business for success and make it the primary hub for all your clients’ banking needs thanks to its customer-centric approach.

Multi-currency accounts

Let your clients keep their funds in the currencies of their choice. Add as many currencies to the system as you find necessary.

Currency exchange

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


Categorize your useres’ 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

P2P money transfers

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

Deeper Overview of Our Retail Banking Software Feature Set digital banking product also presents a robust out of the box package of an advanced neobanking solution must-haves:

Digital Retail Banking Software For Your Neobank

Customer onboarding
fully remote process of account creation and KYC data collection. Our retail banking software solution allows you to integrate a KYC tool.

Digital Retail Banking Software For Your Neobank

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

Digital Retail Banking Software For Your Neobank

Multilingual localization
easy translation management to make your digital bank accessible in the languages your customers speak.

Digital Retail Banking Software For Your Neobank

Payment templates
saving payment details for the client’s recurrent transactions.

Digital Retail Banking Software For Your Neobank

Contact list
the tool allows your neobank users to transact with the contacts from their list. It can make a great referral program opportunity when offered at the right time.

Digital Retail Banking Software For Your Neobank

Dispute resolution
allows consumers to dispute transactions and preserve the dispute history.

Digital Retail Banking Software For Your Neobank

Reconciliation and settlement
automated reconciliations by schedule, quick data mismatch spotting, and convenient exceptions management.

Digital Retail Banking Software For Your Neobank

“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.

Digital Retail Banking Software For Your Neobank

Roles & permissions management
manage team access to the back-office by customizing the pre-configured roles’ permissions or creating new ones.

Contact us to learn how we can help with your digital banking product launch

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

    What are the benefits of using SDK-finance on-premise retail banking software?
    1. You own the code and are free to modify the solution as you find necessary.
    2. Your team gets to tailor your banking software so that it meets 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 pay a one-time flat fee and don’t bother about any recurrent subscription expenses.
    Can I request your retail banking product demo?

    Absolutely – you can access it here. 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 neobanking 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 your banking engine rather than having to develop them from scratch.

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

    Our digital retail banking software comes with the source code license and is deployed on-premise. Find out the details of the source code purchase and knowledge transfer.