Launch your neobank with our white-label digital retail banking software
Accelerate your challenger bank’s development with SDK.finance white label source code. Our retail banking Platform is designed to help you launch fast and cost-effectively, via its robust feature set and out-of-the-box integrations with KYC, card issuing, payment gateway, and currency exchange vendors, plus a comprehensive financial ledger
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Build the retail bank your customers will stay with
SDK.finance Platform equips your neobank with the essential tools to ensure success, positioning it as the primary hub for all your clients’ banking needs through a customer-centric approach. Our challenger banking solution provides a comprehensive suite of functionalities to help you outperform traditional banks in meeting modern consumer needs.
Remote onboarding
Fully remote process of account creation and KYC data collection. Our retail banking software solution allows you to streamline the KYC tool integration via its API.
Multy currency accounts
Let your clients operate the currencies of their choice. Configure unlimited currencies in the system, from fiat to any other type of digital assets.
Currency exchange
Allow customers exchange with the currency they need. Automated currency exchange is in place for transactions involving different currencies.
Visa/MasterCard issuing
Offer a full set of cardholder services via issuing Visa/MasterCard cards linked to the customer's account via a pre-integrated vendor.
Bill payments & Top-ups
Integrate local vendors to enable utility bills and internet payments, cell phone top-ups, and payments for other popular services (provider integration needed)
P2P money transfers
Enable instant money transfers to the clients’ friends and family within the system, saving their time and helping to split the bill.
Transaction history
Empower your customers to manage their finances more effectively by offering them detailed transaction history with comprehensive records and advanced filtering options.
Customer support
Built in chat functionality to communicate with your bank users and provide immediate assistance for their requests.
Reconciliation and settlement
Reconciliations on schedule, quick data mismatch spotting, and convenient exceptions management.
Pricing plans
Create customer contracts with different sets of commissions and limits. Let your customers choose the preferred contract type.
Roles & permissions
Manage team access to the backoffice by customizing the pre-configured roles’ permissions or creating new ones.
Out-of-the-box neobank features to speed up your time-to-launch
For individual & corporate clients
- Onboarding & 2FA (two-factor authentication)
- Customer profile & settings
- Ongoing KYC with a trusted vendor
- Accounts in any currencies, crypto, points
- Cards & IBAN linked to accounts
- Real-time currency exchange
- Transfer, request, or exchange funds
- Payment links & QR code payments
- Cash points
For merchants
- Payment acceptance offline (POS, QR codes)
- Payment acceptance online (gateway)
- Checkout page experience
- Dispute resolution: refunds & chargebacks
- Flexible reporting
System management
- Currency & assets creation engine
- Fees & limits engine
- Built-in CRM & chat
- Transaction monitoring
- Reporting
- AML/Anti-fraud officers’ workspace
- User action history
- Reconciliation & settlement
- Roles & permissions
Out-of-the-box integrations
SDK.finance neobank software is designed to streamline your financial operations with seamless integrations. Our Platform comes with a range of pre-integrated vendors, ensuring a hassle-free experience for payment acceptance, card issuance, and KYC compliance. Explore more information about integrations here.
Ready to get started?
Connect with our experts and learn how our Platform aligns with your product needs.
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View product pageSDK.finance Digital Retail Banking Software FAQs
SDK.finance offers a robust ledger layer-based software that serves as a reliable foundation for building a digital retail bank. Our retail bank software provides several advantages:
- You can shape your product according to your vision, shortening development time and saving team resources.
- Your team can tailor the consumer banking software to meet all industry regulations, security, and compliance standards.
- You receive a stable, reliable engine for your banking business which you can easily extend via the out-of-the-box integrations plus integrate the providers necessary for your business.
- The cloud-based (PaaS) version allows for a quick start without huge investments.
- We offer the option to switch to the on-premise version by purchasing the source code license for complete control.
Since we offer a backend and backoffice for building a digital retail bank, you can view the demo videos on our website to get an idea of what the Platform is capable of:
If you’d like more details, reach out with your request and our experts will be in touch with you shortly.
SDK.finance offers a range of essential pre-developed integrations with numerous providers like card issuing, KYC/AML, card acceptance, payment orchestration, open banking, currency exchange etc.
For your custom integration requirements, our 400+ RESTful API set makes it easy to build integrations with third-party providers of your choice or have them developed by us (subject to prior discussion). This flexibility allows our retail banking platform to integrate with various financial products and services, enhancing your digital banks’ offerings.
Our Platform is available both as a cloud-hosted PaaS version and an on-premise one with the source code license. Find out the details of the source code purchase and knowledge transfer.
The cloud-based PaaS option is ideal for creating neobanks and digital banks with quick deployment, while the on-premise solution offers more control for established financial institutions.
Our neo banking software is designed to be adaptable to various regulatory environments, making it suitable for digital banks worldwide. There are no location-related restrictions for using digital banking software from SDK.finance. The primary databases are under your team’s control in both PaaS and source code variants.
In the PaaS version, the SDK.finance hosts and maintains only 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. The software is developed on the Java 17 LTS. Our team performs security testing via 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 system is available as a cloud-based version by subscription or one-time source code license purchase. All functionality lies in using the APIs of the SDK.finance backend app. This approach allows us to provide a secure and robust retail banking solution while still offering customization options.