Software for building a digital retail bank
Flexible and scalable ledger layer platform to build a digital retail bank on top of it. Go to market faster and base consumer banking platform on a powerful core.
Contact usFuture-proof your digital retail bank by building it on SDK.finance platform
Accelerate time-to-market
SDK.finance offers a development cycle shortcut for your retail banking software, 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.
Cloud-based or on-premise
The consumer banking software solution from SDK.finance for digital retail banking comes in two versions – cloud-based SaaS or on-premise with the source code license.
- Choose cloud for an affordable and quick start with backend app maintained by our team, and database run by yours.
- Switch to an on-premise version with source code anytime and have the whole system in your hands to handle integrations, feature development and customizations as per your product roadmap.
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. SDK.finance 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.
Let's discuss how we can help with your banking product launch
Contact usBuild the retail digital bank your customers will stay with on top of SDK.finance platform
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.
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.
Visualization
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
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 neobanking solution.
Customer onboarding
Fully remote process of account creation and KYC data collection. Our retail banking software solution allows you to integrate a KYC tool.
Customer support
Basic functionality to communicate with your bank users on their requests. Unlimited integration possibilities if you need a more proficient solution.
Multilingual localization
Easy translation management to make your digital bank accessible in the languages your customers speak.
Payment templates
Saving payment details for the client's recurrent transactions.
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.
Dispute resolution
Allows consumers to dispute transactions and preserve the dispute history.
Reconciliation and settlement
Automated reconciliations by schedule, quick data mismatch spotting, and convenient exceptions management.
"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.
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 building your digital banking product
SDK.finance Digital Retail Banking Solution FAQs
- SDK.finance offers a robust ledger layer software that serves as a reliable foundation for building a neobank or a digital retail bank, so you are free to shape your product according to your product vision, yet saving at least 1 year of active development and lots of team resources instead of having to start from scratch.
- Your team gets to tailor your banking software so that it meets all industry regulations, security and compliance standards.
- You receive a stable, reliable engine for your banking business which you can easily extend via integrations, virtually without restrictions.
- You can use the cloud-based version of our software for a quick start without commitments and huge investments.
- We offer the option to switch to the on-premise version via purchasing the source code license for full control and independence anytime.
Since we offer a foundation for building a neobank or 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.
SDK.finance 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.
Our platform for building digital retail bank or neobank is available both as a cloud-hosted version and an on-premise one with the source code license. Find out the details of the source code purchase and knowledge transfer.
There are no location-related restrictions for using digital banking software from SDK.finance. The primary databases are under your team’s control, while SDK.finance hosts and maintains the backend application on AWS or another cloud service provider. Consequently, you can comply with regulatory requirements related to sensitive data management and storage.
SDK.finance uses the cutting-edge technology stack for building the neobank platform. ” We develop code on the Java 17 LTS. Our team provides security testing with 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.
The SDK.finance neobanking 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 on GitHub, but all functionality lies in using the APIs of the SDK.finance backend app.