Build your best-in-class digital banking solution with retail banking software offers core banking software to create digital banking solutions and deliver top-notch reliable products and services from financial institutions in all popular formats: web, iOS & Android applications.

We provide technology, and support at every stage of the digital transformation from market research to product launch and scaling. We offer the possibility to purchase the source code to the customer`s team to tackle future challenges by themselves or with our full support.

Why core banking solution?

  • Provide a safe and secure experience to your customers with a broad range of verification methods, including two-factor authentication, biometric checks, security notifications, and Strong Customer Authorization for payments which are available in our retail banking software.

  • Integrate our core banking platform with other banks and let your customers add and manage all of their accounts in one place. 

  • Handle traffic effortlessly. Expand and grow your business without worrying about architecture constraints.

  • Create personalized web interfaces, mobile, and back-office applications using our highly adaptable banking API set. Control all aspects of your banking platform with separate dashboards for different user roles.

  • Our 10+ years experience in FinTech development makes us a proven partner for building the digital retail bank of the future. We will guide you through all the stages of digital transformation starting from the market research to launching and scaling your product. 

  • Gather valuable insights and create data-driven offerings to drive customer retention and engagement with our retail banking software. platform is available in three formats:

Features & Functionality

Customer onboarding
Build long-lasting and profitable client relationships with a seamless digital onboarding process. Engage customers when and how they prefer – quickly, conveniently, and reliably with our retail banking software.

Compliance review
Automatically carry out legal and compliance checks through integrations with KYC and Emailage. Ensure accountability and prevent fraud with further periodical automated or manual checks. 

Accounts opening
Review applications and open accounts online without lengthy paperwork and in-person visits with retail banking software. Provide your customers with everything they need to spend and keep track of their money in just a few easy steps. 

Bank cards issuance
Link branded debit cards provided by a partner service like Wirecard to enrich your customers’ banking experience. Let your clients set daily spending limits, lock or unlock their cards anywhere in the world. 

Intuitive money movement tools
Easy top-ups, headache-free withdrawals, and multiple types of transfers for your customers, including Person to Person (P2P), Account to Account (A2A), and Member to Member (M2M). 

Seamless payments
Your customers using our retail banking software can set-up, manage, and monitor scheduled and recurring payments for their utilities, bills, and subscriptions. 

Currency exchange
Hassle-free currency exchange with integrated tools. Foreign currency transfers and spending abroad is easy with core banking software.

Payment Dashboards

Payment data analytics is presenting significant opportunities for banks and financial institutions to drive additional revenues and enhance their value proposition.

The list of generated by Power BI dashboards is designed to key decision-makers such as CEO, CFO, stakeholders, KYC, compliance, financial, and marketing managers to find insights and make confident decisions on different parts of the payment business and achieve synergy with powerful results.

Which Power BI dashboards offers?

  • Daily inconsistency check dashboard
  • Balance dashboard
  • Settlement & Reconciliation dashboard
  • Commissions dashboard
  • Limits dashboard

Learn more about Microsoft Power Business Intelligence for a Payment company here.

Secure support
Customers can report issues, ask questions, and get support within the application. Using a secure in-app chat and special system role, you can easily and securely communicate with your clients. 

Use cases

Versatile retail banking software functionality at your fingertips

  • Administrator manages the whole system and monitors all system events and transactions
  • CFO manages financial system settings
  • Compliance checks customer details, verifies documents submitted for verification, and approves/rejects customer profiles
  • Customer manages their accounts, makes transfers, orders cards, performs transactions using their accounts
  • Customer support manages customers’ requests and communicates with customers
Role Use case group Use case ID Use case description
Administrator User management UC.AU1 As an administrator I want to create new user
UC.AU2 As an administrator, I want to see user list
C.AU3 As an administrator, I want to delete user UC.AU4 As an administrator, I want to deactivate user
UC.AU5 As an administrator, I want to edit user details
UC.AU6 As an administrator, I want to manage a list of available currencies
UC.AU7 As an administrator, I want to manage a list of available issuers
Customer Account opening UC.CU1 As a customer, I want to register in the system
UC.CU2 As a customer, I want to fill in my details 
UC.CU3 As a customer, I want to upload my documents
UC.CU4 As a customer, I want to open an account in-app without visiting bank
Payment cards UC.CU5 As a customer, I want to link a payment card to my account
Domestic transfers UC.CU6 As a customer, I want to have the opportunity to transfer money between my accounts
UC.CU7 As a customer, I want to transfer money from my account to account in another bank which is not linked to my app within my country
Account top-up UC.CU8 As a customer, I want to top-up my account by another payment card
UC.CU9 As a customer, I want to top-up my account from an account in other banks
Spending money UC.CU10 As a customer, I want to withdraw cash from my account using linked payment card
UC.CU11 As a customer, I want to pay with card linked to account for goods/services
Currency exchange UC.CU12 As a customer, I want to make currency exchange operations between my accounts in different currencies
UC.CU13 As a customer I want to pay for products/services in my app, e.g. top-up my mobile number, pay my utility bills, etc.
International transfers UC.CU14 As a customer, I want to create an international transfer from my account
Money management UC.CU15 As a customer, I want to view my accounts opened in different banks in one app
UC.CU16 As a customer, I want to view my accounts’ balances
UC.CU17 As a customer, I want to view my transactions
Recurring payments UC.CU18 As a customer, I want to set up recurring payments
Customer Support UC.CU19 As a customer, I want to raise a question as fast as possible without using additional software or phone call.
UC.CU20 As a customer I want to communicate with customer support online. 
UC.CU21 As a customer I want to upload documents or other media files related to the issue. 
Compliance Customer on-boarding UC.CM1 As a compliance I want to view customer’s details
UC.CM2 As a compliance I want to view customer documents
UC.CM3 As a compliance I want to approve or decline customer documents
UC.CM4 As a compliance I want to approve or decline customer profile
CFO Contract management UC.CFO1 As a CFO I want to specify fees for operations depend on customer’s product
UC.CFO2 As a CFO I want to be able to change customer’s product
Customer support UC.CS1 As a customer support I want to monitor customer requests
UC.CS2 As a customer support I want to communicate with customer on-line


Integrate third-party tools and deliver better customer experience to more customers using retail banking software. Our open digital banking API set makes it easy to connect the right tools to your business. Whether its new features or better security measures, you can easily access them with integrations.

Seamless security
Provide a secure experience to your customers with legal and compliance checks through integrations with KYC verification. Prevent fraud with industry-leading email risk assessment service Emailage

Fraud  prevention and fraud detection
Our business process architecture allows integrating 3rd party tools for fraud prevention or fraud detection at any stage of the transaction flow. Further business process steps can be configurable depends on the received response. 

Payments and bank cards
With an appropriate license, you can use our technical integration with Wirecard to issue and link accounts with branded virtual or debit cards. Accept card payments using our retail banking software technical integration with Mastercard Payment Gateway

Our digital retail banking platform already supports powerful third-party tools like: 

Sepa Express





Microsoft Power BI

We are always open to adding new partners to our network. If you have a preferred third-party tool you would like to use, tell us more about it!


Simple integration even with the most complex architecture

RESTful application program interface (API) allows an application to connect to other internal and external systems securely. Using our RESTful APIs, businesses can build multiple innovative digital banking products on top of their existing internal architecture. 

We use Swagger, an industry-leading framework, to design, build, and document our flexible APIs. The framework allows us to automatically create and update our interactive API documentation to keep our users up to date. 

Contact us to find out more about our RESTful APIs

Contact Us

Some APIs involved in our digital banking platform: 

User management

Using this set of APIs you can manage users – create, delete, block, update user description etc. 

  • Direct user registration
  • Update user
  • Delete user
  • Get user profile
  • Get users
User registration

APIs for user self-registration

  • Registration
  • Confirmation of registration using OTP
  • Resent OTP to confirm registration
Profile – information

APIs for filling in user’s information

  • Update person information
  • Update additional information
  • Get user profile
  • Resend OTP to confirm contact
  • Update business information
  • Confirm contact verification request using OTP
  • Update security settings
  • Update user password
  • Update user address
  • Create contact verification request
  • Create a reset identification request
Profile – documents uploading

APIs for user’s documents uploading

  • Get all document types required for approval
  • Submit file for approval as profile document
  • Get profile documents, last of each type
Profile – documents approving

APIs for approving user’s documents 

  • Decline the profile document
  • Approve the profile document
  • View all profile documents
Profile – identification

APIs for approving user’s profile

  • Reset an identification of the user and send mandatory fields of profile to update for reidentification
  • Reset an identification of the user
  • Decline a reset identification request of the user
  • Decline the organization’s identification
  • Approve the organization’s identification
  • View pending reset identification requests

APIs for customer support functionality

  • Retrieve a list of tickets as customer support manager
  • Create a ticket to customer support
In-system communication

APIs for customer support functionality

  • Write a message as a participant of the specified conversation
  • Create system broadcasts
  • Mark message as read
  • Retrieve a list of messages for specified conversation
  • Retrieve a list of conversations by the specified filter
  • Get files attached to the specified message
  • Delete a conversation
Merchant product measure units

Merchant can manage measure units, which are used in product descriptions (pieces, kilos etc).

  • Get list of all measure units
  • Create a measure unit
  • Create a measure unit from batch
  • Delete a measure unit by its external code
  • Update measure unit data by its external code
  • Delete a measure unit by its ID
  • Update measure unit data by its ID
Merchant product

Merchant can manage products, their names, descriptions, and measure units.

  • Create one product
  • Create products from batch
  • Delete list of products
  • Delete by external code
    Update product by its external code
  • View product list
  • Delete by ID
  • View product by its ID
  • Update product by it’s identifier
Merchant product price

Merchant can manage the prices of products.

  • Create prices from batch
  • Delete a price by product filter
  • Delete all prices for product and point of sale
  • Get prices by product filter
  • Get prices by product ID
  • Add price for a product with the given ID
  • Delete a price by its ID for the given product ID
Point of sale

To create a payment merchant needs at least one point of sale. This set of API lets merchants manage their points of sale. 

  • Create point of sale
  • Delete point of sale
  • Generate new secret code for point of sale
  • Get point of sale information
  • Get point of sale transactions
  • Get points of sale
  • Update point of sale details
Merchant payment

This set of API allows to create merchant payment

  • Create payment 
  • Pay for payment 
  • Get payments
Smart cards management – as supervisor

APIs for linking NFC device to wallet

  • Get smart cards by specified filter
  • Update an existing smart card
  • Delete an existing smart card
  • Create a new smart card
Top up via cash desk

APIs for top-up via cash desk

  • Calculate commission for top-up via cash desk
  • Top up via cash desk
Contact book

APIs for managing contacts

  • Get contacts for current user
  • Get all unregistered contacts on the system for current user
  • Get all unregistered contacts on the system for all users
  • Delete all contacts
  • Create batch of contacts
  • View user contacts
  • Update contact
  • Delete contact by id
  • Create contact

APIs for transfer

  • Calculate commission fee
  • Execute transfer transaction
Contract management

APIs for managing contracts – financial system settings are made through contracts functionality

  • Obtain all available operation flows
  • Obtain commission profiles for specified contract
  • Create a new commission profile
  • Update an existing commission profile
  • View commission profile
  • Obtain limit profiles for specified commission profile
  • Create a new limit profile
  • View limit profile
  • Update an existing limit profile
  • Update an existing contract personType
  • Get all available contracts for update
  • Obtain contracts matching the specified criteria
Top up via bank

APIs for top-up from bank account

  • View top up via bank
  • Decline the create request to top-up via bank
  • Calculate commission for top-up via bank
  • Create a request to top-up via bank
  • Accept the create request to top-up via bank
  • Perform top-up via bank

Database & servers

Highly robust server architecture

With our cloud based core banking system infrastructure, you can start setting up your digital banking straight away. This hassle-free approach saves time and money without sacrificing any functionality. Perfect for small teams who want the best for their business.

We ensure productivity, stability, and security of our retail banking software by choosing only the most stable infrastructure providers who are ready to support production systems. 

Applications server:

OS: Ubuntu 18.04 LTS

Software: Wildfly 10.1.0.Final


Separate databases for main operations and viewing transactions provides better, faster access to data.

Main database:

OS: Ubuntu 18.04 LTS

DB: PostgreSQL – 10.6

Transaction viewer:

OS: Ubuntu 18.04 LTS

DB: MongoDB – 3.0.4

Load balancer and Frontend:

OS: Ubuntu 18.04 LTS

Software: NGINX 1.14.0


Keep your data safe with our strong security measures

Provide a secure experience to your customers with a broad range of verification methods, including two-factor authentication, biometric checks, security notifications, and Strong Customer Authorization for payments. 

Legal and compliance checks can be automatically carried out to prevent fraud through integrations with KYC verification and email risk assessment by Emailage

We follow the latest safety practices and methods during the development process to implement high security layers at all stages of our retail banking software. From the beginning of the source code development to supporting infrastructure in ongoing projects, you can rest easy and focus on your business with core banking software.

Each new retail banking software product version is automatically audited by the OWASP ZAP system, which allows us to identify and fix any potential infrastructure vulnerabilities in early stages.

  • All communications and data exchange is done using strong SSL encryption certificates.
  • Source code is checked by active and passive analysis tools such as SonarQube & Lapse +
  • Infrastructure logs, servers, databases, and application servers can be monitored using Logentries or other services like Nagios or Zabbix


Take the center stage, while we ensure smooth operation behind the scene.

Scale easily with our highly adaptable technology stack

We handpicked our technological stack to help businesses achieve three things: growth, flexibility, and security. An appropriate work environment is necessary to meet high project standards, software needs, and to ensure a stable project lifecycle. 

Using our extensive experience building high performing products in the Fintech sector, we developed all of our products using only the best tools for the job.  

Programming language

We chose Java Enterprise Edition 7 and Java Standard Edition 8 for their highly stable performance and powerful functionality for our retail banking software. Java has a proven track record of fulfilling all software requirements for the enterprise level software as a programming language and technology stack. Java requires developers to clearly formalize the processes and data with which the system operates. As a result, this strongly typed language ensures stability and minimizes the chance of errors.                                            

Business logic

Best in class tools for Business Process Modeling help us create new features “on business language” first and then implement it in code structure.


There are numerous external services with which both external and internal systems interact. Usage of cutting-age technology of encryption and data validation mechanisms in the interaction provides the security of the transmitted data at all levels of communication. New external service providers can be easily added into our retail banking software by creation from the predefined component template for a relevant business process without taking much time.

Code repository

A lot of specialists from different departments work with project source code. The storage and management functionality of our source code is built on GIT technology, using the GitLab platform, which provides effective management and monitoring of all changes made by each developer.

Testing and Quality Assurance

Source code for any project must meet the highest quality, stability, and security standards. We automatically check operability and test functions when the project is ready to be deployed. 

Each new addition to source code goes through auto tests  and is manually reviewed by our lead developer.

Source Code Quality

Our developers use cutting-edge source code development tools supported by best-in-class solutions to create a robust, efficient, and secure code. For passive code analysis, we use UpSource and FindBugs from IntelliJ Idea. For active code analysis, we use SonarQube and Lapse+ tools which are highly recommended by the OWASP community.


The traditional approach to IT project management evolves along with interaction methodologies between system administrators and developers. We have implemented the best DevOps methodologies to provide continuous integration and continuous delivery for We build and deploy projects with Jenkins, a highly functional and customizable service. Gathered system components are versioned and delivered to one or multiple Application Servers.

Applications server

We use RedHat JBoss application server. The application server meets all requirements for application monitoring, configuration, and scaling.

Application Monitoring

Complex systems are distributed on different infrastructure components to ensure continuous and stable operation. Monitoring hardware condition is the first step to understanding how health the system is. We use NewRelic, Zabbix and ELK Stack. 

How we supply it platform is available in three formats:


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