Build your best-in-class digital banking solution with SDK.finance retail banking software
SDK.finance offers a core banking platform to delight your customers and take the lead in the open banking world. This is the full-fledged digital retail banking software in all popular formats: web, iOS & Android applications.
We provide technology, and support banks at every stage of the digital transformation from market research to product launch and scaling. We offer to purchase the source code and we will do knowledge transfer to the internal team of the bank so that it could tackle the challenges of the future fully vendor-independently.
Why SDK.finance core banking solution?
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 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 from a single retail banking software application.
Expand and grow your banking business without worrying about architecture constraints. Handle traffic effortlessly, no matter if its one hundred requests or one million
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.
Gather valuable insights and create data-driven offerings to drive customer retention and engagement with our retail banking software.
Focus on growing your business while we take care of technology
Developing a similar product in-house can take up to one year and can result in exorbitant cost. We take care of the heavy technological part so that you could focus on growing your business. Configure and launch your unique retail banking platform in a fraction of the time by seamlessly integrating SDK.finance’s banking APIs with your existing systems.
Create a customer-centric bank
Financial players have to solve a complex equation: they have to focus on leveraging emerging technologies and navigating through the challenges of regulatory compliance. But their key priority is satisfying the demands of the digital-savvy customers. SDK.finance offers a highly secure & mobile-ready core banking platform based on the retail banking software to delight your customers and take the lead in the open banking world.
Get more than technology, tap into our culture
Our 10+ years experience in FinTech development makes us a proven partner for building the digital retail bank of the future. We guide you through all the stages of digital transformation starting from the market research to launching and scaling your product. We leave only when your team has embraced our culture of product development and can proceed with further steps on their own.
Position yourself for the future
SDK.finance is a highly scalable core banking platform that allows financial institutions to recognize the advantages of today and meet the challenges of the future. We’re continually looking for new opportunities to bring to market so that our clients can deliver the best experiences to their users through our retail banking software. Our open banking API architecture enables to integrate the best third-party providers to offer ever increased added value.
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.
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.
Review applications and open accounts online without lengthy paperwork and in-person visits with SDK.finance 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).
Your customers using our retail banking software can set-up, manage, and monitor scheduled and recurring payments for their utilities, bills, and subscriptions.
Hassle-free currency exchange with integrated tools. Foreign currency transfers and spending abroad is easy with SDK.Finance core banking software.
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.
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 SDK.finance 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 SDK.finance offers?
- Daily inconsistency check dashboard
- Balance dashboard
- Settlement & Reconciliation dashboard
- Commissions dashboard
- Limits dashboard
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|
|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|
|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|
|UC.CU5||As a customer, I want to link a payment card to my account|
|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|
|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|
|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|
|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.|
|UC.CU14||As a customer, I want to create an international transfer from my account|
|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|
|UC.CU18||As a customer, I want to set up recurring payments|
|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.|
|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|
|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|
|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 SDK.finance 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.
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:
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 APIsContact Us
Some APIs involved in our digital banking platform:
Using this set of APIs you can manage users – create, delete, block, update user description etc.
APIs for user self-registration
|Profile – information
APIs for filling in user’s information
|Profile – documents uploading
APIs for user’s documents uploading
|Profile – documents approving
APIs for approving user’s documents
|Profile – identification
APIs for approving user’s profile
APIs for customer support functionality
APIs for customer support functionality
|Merchant product measure units
Merchant can manage measure units, which are used in product descriptions (pieces, kilos etc).
Merchant can manage products, their names, descriptions, and measure units.
|Merchant product price
Merchant can manage the prices of products.
|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.
This set of API allows to create merchant payment
|Smart cards management – as supervisor
APIs for linking NFC device to wallet
|Top up via cash desk
APIs for top-up via cash desk
APIs for managing contacts
APIs for transfer
APIs for managing contracts – financial system settings are made through contracts functionality
|Top up via bank
APIs for top-up from bank account
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.
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.
OS: Ubuntu 18.04 LTS
DB: PostgreSQL – 10.6
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.
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.
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.
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.
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.
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 SDK.finance. 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.
We use RedHat JBoss application server. The application server meets all requirements for application monitoring, configuration, and scaling.
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.
Secure and efficient start to your digital bank
Make the first step towards your next-generation digital banking platform with an optional code audit. Find out all about our retail banking software development lifecycles, continuous delivery tools, and DevOps procedures. Our dedicated specialists will answer questions you may have.
After purchase, our team will deploy the digital banking platform on your infrastructure and configure DevOps settings to ensure an optimal Software Development Life Cycle (SDLC) for the team handling product development and maintenance.
Highly flexible product development
Build the best version of your digital banking platform with our highly effective retail banking software.
Option 1: In-house team
Have your team handle product development, starting with a comprehensive knowledge transfer. With our educational program, your team members will learn everything there is to know about the platform through a series of lectures and practical tasks.
Following the knowledge transfer, our specialists will stay in contact with your in-house team for weekly calls or meetings to discuss any possible issues. By the end of this active support period, there shouldn’t be any questions left. After that, our team will provide developer support on demand.
Option 2: Dedicated SDK.finance team
Let our experts handle product development for you. We can deliver a high-quality result on time by using a hybrid team of dedicated and hourly specialists. With the ability to involve professionals under hourly rates from our shortlist of interviewed candidates, we can ensure an efficient development cycle.
Option 3: Combined team
Get the best of both worlds with a combined team of your in-house professionals and our dedicated specialists. By working alongside, both sides benefit from shared knowledge. With a deeper understanding of your business needs and the platform’s capabilities, a combined team can build a superior solution.
Feel free to contact us to get your personal pricing offerContact Us
Keep your SDK.finance retail banking software future-proof with frequent updates
Updates ensure that your SDK.finance core banking solution works as described and remains protected against major security concerns.
- Guarantee that new versions of your third party integrations remain compatible with our solutions
- Minimize dependency on your internal resources to launch and maintain our products
- Keep the product functioning at full efficiency with our professional maintenance
- Rest easy while our dedicated professionals monitor and assist with reported bugs and issues
Get the most out of your SDK.finance core banking solution with in-depth product training and support
Our enterprise support is designed for companies ready to move fast and launch production scale products. Release your product in a fraction of the time with our professional guidance and support that features
- Live chat
- First-in-line email support
- Account management
- Volume discounts
- Quarterly advice calls
- Integration and testing support
- Certification support
- On-site training/e-learning
- Go-live support and babysitting
- Compliance support
- Onboarding manager
- Technical onboarding manager
- Onboarding slack channel