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SDK.finance
Digital Retail Bank

Future-proof Core Banking Platform

 

Product

Build your best-in-class digital banking solution with SDK.finance retail banking software

SDK.finance 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.

Why SDK.finance 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 15+ 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.

SDK.finance platform is available in two formats:

Features & Functionality

Simple client registration

Intuitive client registration flows, secured with OTP, AML, and KYC. Set up custom fields to collect the data you need.

Account-to-account payments

Users can make lightning-fast and safe transfers between accounts to fulfil their needs.

Currency exchange

Real-time currency exchange rate tracking. Set up custom commission rates. Fast, easy and secure exchange operations.

  • Documents uploading
  • QR code payments
  • Automated payments
  • Merchant payments
  • Push notifications
  • Insightful reporting and other banking features are available.

Visit the Product Tour page to see a full list of SDK.finance Digital Retail Bank software features.

Use cases

Any payments related products can be built on the SDK.finance platform:

  • Neobank

    Build neobanking products and launch them with ready-made software at a much lower cost.

  • E-wallet

    A ready-to-go solution for EMIs and PIs (including AISPs and PISPs). Create a product like Paypal®, Alipay®, or PayTM®.

  • Accept online payments

    A complete stack for all your online payments acceptance business. Requires an integration with payment gateways.

  • Accept in-store payments

    Accept payments in an offline store. Run a POS (point of sale) business or offer QR payments for your merchants.

  • Money remittance

    Help migrants transfer money abroad like Transferwise® does. Currency exchange is a part of the product.

  • Currency exchange

    Build your online currency exchange business. Set up custom commission rates.

Various system roles are created for convenient management:

  • 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

Integrations

Integrate third-party tools and deliver better customer experience to more customers using SDK.finance retail banking software. Our open digital banking API set makes it easy to connect the right tools to your business. Whether it’s 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 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, Paysafe, CoinGate, PayPal, Payon.

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!

API

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. 

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

 

Application server

We use WildFly, a powerful, modular, & lightweight application server. The application server meets all requirements for application monitoring, configuration, and scaling.

Database:

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

Security

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 SDK.finance core banking software.

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 SpotbugsPMD, and CheckStyle. For active code analysis, we use SonarQube, which is highly recommended by the OWASP community.

Technology

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 software. Java has a proven track record of fulfilling all software requirements for enterprise-level software as a programming language and a technology stack. Java requires developers to 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 them in code structure.

Services

There are numerous external services with which both external and internal systems interact. Usage of cutting-edge 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 to our retail banking software by creating 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. Our source code’s storage and management functionality 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 product must meet the highest quality, stability, and security standards. We automatically check operability and test functions when a project is ready to be deployed. Each new addition to source code goes through autotests and is manually reviewed by a 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 SpotbugsPMD, and CheckStyle. For active code analysis, we use SonarQube, which is highly recommended by the OWASP community.

DevOps

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 SDK.finance. We build and deploy projects with GitLab CI/CD, a highly functional and customizable service. Gathered system components are versioned and delivered to one or multiple Application Servers.

Applications server

We use WildFly, a powerful, modular, & lightweight 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 healthy the system is. We rely on NewRelic and Zabbix to monitor our systems.

How do we supply it?

SDK.finance platform is available in two formats:

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Build your Digital Retail Bank with SDK.finance

Contact Us

Build your Digital Retail Bank with SDK.finance

    Source code

    Full control in your hands

    Dedicated team

    Professional IT service

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