Can a modern bank truly balance bulletproof security with a delightfully simple customer experience? We believe it can, and we help make that real by aligning technology strategy to clear business outcomes.
We design secure, scalable solutions that personalize interactions, reduce operational burden, and speed digital growth, using a cloud-first mindset and proven integrations that fit existing ecosystems.
Our discovery-driven approach captures client needs, sequences delivery for quick wins, and preserves stable operations while we modernize core systems.
With decades of industry experience, ISO-grade quality and security practices, and mature Lean/Agile/DevOps methods, we translate complex requirements into clear roadmaps, embed data-driven controls, and deliver measurable ROI for U.S. institutions.
Key Takeaways
- We fuse security and usability to build trust across digital channels.
- Discovery-first planning yields fast wins and stable modernization.
- Cloud-first integrations cut time-to-value and control cost.
- Data-driven design enables proactive risk and performance tuning.
- Transparent governance keeps stakeholders aligned and confident.
Modernize Your Bank with Secure, Scalable Software Solutions
We modernize core platforms so institutions meet today’s security and scalability expectations without sacrificing customer experience.
Security-first design guides our approach: encryption, MFA, identity controls, and continuous monitoring protect data and keep operations resilient. Intellias, ScienceSoft, and Luxoft inform our methods, from GDPR and PSD2 alignment to ISO-backed management for predictable delivery.
We build scalable architectures using cloud-native patterns, microservices, and APIs so teams reduce time to release features and improve efficiency. Legacy systems are refactored where value is highest, encapsulated where stability matters, and replaced incrementally to control risk and cost.
- Compliance by design with GDPR, PSD2, PCI DSS, and KYC to simplify audits.
- High-availability patterns and DR plans that raise uptime and reduce recovery time.
- Observability and automation to speed incident response and capacity planning.
| Focus | Benefit | Example |
|---|---|---|
| Layered security | Reduced breach risk | Encryption, MFA, IAM |
| Scalable systems | Faster feature delivery | Microservices, APIs |
| Compliance by design | Audit readiness | GDPR, PSD2, PCI DSS, KYC |
We partner with your risk and security teams to ensure modernization yields defensible, measurable results that save time and lower operational burden.
Our Banking Software Development Services
We engineer user-focused platforms that secure transactions, streamline processes, and support future growth.
Online and Mobile Experiences
We design online and mobile applications with simple, secure flows so customers check balances, move money, pay bills, and get real-time alerts across devices.
Intellias delivers encrypted authentication and mobile features like transfers, ATM location, and push notifications that keep the experience consistent.
Core Modernization and Integrations
We modernize core systems with modular APIs and domain-driven patterns, integrating crypto banking and alternative investments while keeping legacy stability.
Loan Origination and Servicing Automation
We automate the loan lifecycle from digital application intake to credit scoring, approval, documentation, and repayment tracking, improving cycle time and transparency.
ATM, ACH & Check 21 Platforms
We build ATM platforms with device hardening, anti-skimming protections, and MICR scanner support, plus ACH and Check 21 workflows for reliable payments.
CRM and Customer Data Management
We unify profiles, transactions, and interactions so teams personalize outreach, reduce friction, and measure outcomes with KPIs tied to adoption and throughput.
| Capability | What it solves | Example features |
|---|---|---|
| Online & mobile | Faster customer tasks | Encryption, MFA, real-time alerts |
| Core integrations | Extend product set | APIs, crypto, alt investments |
| Loan automation | Shorter cycle times | Digital intake, credit scoring |
| ATM & payments | Secure transactions | Anti-skimming, MICR, ACH |
AI-Powered Solutions That Elevate Performance
We combine ML, streaming analytics, and disciplined governance to turn large streams of finance data into faster, safer decisions.
Real-Time Fraud Detection and Alerts
We deploy real-time fraud detection that analyzes transaction streams with ML and flags anomalies in milliseconds.
This reduces losses while keeping the customer experience seamless, with alerts routed to workflows that resolve issues quickly.
Credit Scoring Beyond Traditional Data
We expand credit assessment by incorporating alternative signals such as bill payments and smartphone usage.
That approach improves approvals for thin-file customers while preserving strong risk controls.
Risk Management and Financial Forecasting
Predictive analytics forecast portfolio trends, liquidity needs, and macro sensitivities so teams can act earlier.
We even explore advanced compute techniques to sharpen forecasts and inform capital allocation.
Process Automation for KYC and Compliance
We automate KYC and AML workflows, from identity verification and sanctions screening to continuous monitoring.
Automation reduces manual effort and raises consistency for compliance and audit readiness.
Wealth Management and Personalization at Scale
AI surfaces next-best actions and tailored investment strategies that align to customer goals and risk tolerance.
We build feedback loops and MLOps pipelines so models improve with new data and remain explainable.
- Governance: model versioning, drift detection, and explainability.
- Security: data minimization, encryption, and strict access controls for sensitive customer data.
- Value-first rollout: pilot, measure lift, then scale with modern tech and MLOps to shorten time to production.
| Capability | What it delivers | Key tech | Business benefit |
|---|---|---|---|
| Real-time detection | Fraud alerts in milliseconds | Streaming ML, event pipelines | Lower losses, better CX |
| Alternative scoring | Inclusive credit decisions | Behavioral & telecom data | Higher approvals, controlled risk |
| Predictive risk | Portfolio and liquidity forecasts | Predictive analytics, MLOps | Proactive capital allocation |
| KYC automation | Continuous identity monitoring | OCR, sanctions APIs, workflows | Reduced manual effort, audit-ready |
Security and Compliance by Design
Security and regulatory controls guide our design process from the first requirement to production.
We secure accounts, transactions, and sensitive data across systems by implementing encryption in transit and at rest, multifactor authentication, and fine-grained identity and access controls. Intellias secures online and mobile banking with encryption and authentication, and ScienceSoft applies ISO 27001-certified practices to align delivery with compliance demands.
Data Security: Encryption, MFA, Identity and Access Controls
We apply least-privilege access, environment segmentation, and continuous monitoring to reduce blast radius and speed incident response. Automated logging, SBOMs, and supply chain validation keep third-party and open-source components current.
Regulatory Alignment: GDPR, PSD2, PCI DSS, KYC
We embed GDPR, PSD2, PCI DSS, and KYC controls into design and operations, map requirements with risk teams up front, and automate evidence capture so audits run predictably.
Governance, Reporting, and Audit-Ready Processes
Governance unifies risk, compliance, and engineering to keep velocity high while meeting obligations.
We provide runbooks, change records, and test reports; train teams on secure coding and privacy by design; and automate reporting for faster regulatory reviews.
- Secure SDLC: threat modeling, code scanning, dependency checks, pen testing.
- Continuous monitoring: log aggregation, drift detection, alerting pipelines.
- Audit readiness: automated evidence, clear documentation, assigned approvals.
| Area | Controls | Business Benefit |
|---|---|---|
| Access & Identity | MFA, IAM, least-privilege | Reduced account compromise risk |
| Data Protection | Encryption at rest & transit, SBOMs | Stronger privacy and supply chain safety |
| Regulatory Mapping | GDPR, PSD2, PCI DSS, KYC alignment | Faster audits, fewer findings |
| Operational Controls | Monitoring, runbooks, automated evidence | Quicker detection and audit cycles |
For detailed guidance on aligning requirements and enterprise systems, see our banking software development guide.
Cloud and Legacy Modernization for Banking Operations
Our teams combine rapid cloud migration and targeted refactoring so critical functions stay online while modern capabilities roll out.
We execute AWS and Azure migrations that increase resilience and elasticity, prioritizing zero-downtime cutovers, cost controls, and security guardrails aligned with industry policy. Intellias migrated a commercial bank serving over 2.5 million customers to AWS in 2.5 months, improving flexibility and availability.
We pair microservices, APIs, and platform engineering to decouple systems and shorten time to market for new features. DevOps pipelines, containerization, and landing zones reduce risk and speed feedback loops for product teams.
- Refactor where it adds value; containerize for portability.
- Multi-AZ and multi-region designs, backup automation, and chaos testing for resilience.
- Databricks and Snowflake integrations that accelerate data processing and quality.
| Focus | Cloud | Benefit |
|---|---|---|
| AWS rapid migration | AWS | Higher availability, faster feature cycles |
| Azure data redesign | Azure / Databricks / Snowflake | Faster analytics, improved data quality |
| Legacy modernization | Hybrid cloud | Reduced maintenance, stronger resilience |
We transition operations with clear runbooks, SRE practices, and dashboards that give visibility into availability, performance, and risk, so teams sustain efficiency and focus on innovation.
Data Platforms and Analytics for Better Decisions
We transform raw streams and data stores into a single, trusted platform that powers faster decisions across teams.
Intellias redesigned a client’s Azure data platform using Databricks for processing and Snowflake data marts, improving data quality and query speed so analysts and product teams move from questions to action faster.
We build modern platforms on Databricks and Snowflake with real-time pipelines that unify streaming and batch workloads. This enables timely insights for financial services and operations.
Key capabilities include:
- Governance, cataloging, and lineage to ensure trust, compliance, and repeatable analytics.
- Semantic layers and feature stores that speed model reuse and consistency across teams.
- Self-service analytics with governed access so product, risk, and marketing explore capabilities safely.
We consolidate customer journeys, transactions, and support interactions to surface next-best offers, churn prediction, and proactive alerts that lift adoption and NPS.
Industries and Institutions We Serve
We support a wide spectrum of institutions, from retail and commercial banks to private, central, exchange, and virtual institutions, as well as credit unions and market infrastructure providers.
Our approach adapts to each industry segment’s operating model and risk profile. We tailor solutions that align features and controls to regulatory expectations and customer behavior, including high-volume retail transactions or complex treasury and trading workflows.
- Asset and wealth managers, consumer lenders, hedge funds, and adjacent financial services companies.
- Cross-border clients with data residency, reporting, and privacy requirements in the United States and beyond.
- Customized interoperability with core systems and partner ecosystems to reduce time and cost.
| Institution Type | Typical Needs | Benefit |
|---|---|---|
| Retail & Commercial | High-volume transactions, CRM | Scalability, lower TCO |
| Investment & Private | Treasury, trading, wealth ops | Specialized workflows, compliance |
| Market Infra & Exchanges | Low-latency clearing, reporting | Resilience, audit readiness |
| Credit Unions & Virtual Banks | Membership, digital onboarding | Member experience, cost efficiency |
We bring domain depth and engineering strength, integrating our company processes with each client’s culture so outcomes accelerate without disruption, and post-launch support keeps platforms secure, performant, and aligned with evolving industry standards.
Engagement Models That Fit Your Organization
Our engagement options are designed to reduce risk and speed value, aligning resourcing to your program rhythm.
We tailor how we work with clients so governance, risk appetite, and roadmap cadence determine whether we deliver scoped features, full applications, or entire portfolios. Luxoft’s managed delivery recommendations and ScienceSoft’s dedicated-team patterns inform our approach, blending Lean, Agile, and DevOps practices to keep work predictable and auditable.
Autonomous Squads for Carved-Out Scopes
We deploy autonomous squads with clear backlogs and SLAs to accelerate time to impact, while your program retains control of priorities and integration points.
Application and Portfolio Ownership
We take application ownership end-to-end, managing discovery through support, or assume portfolio ownership to coordinate multiple products and optimize operations across teams.
Dedicated Teams and Augmentation
We staff dedicated teams or augment your staff with vetted talent to bridge skill gaps and scale quickly, embedding DevOps and test automation to shorten cycles and improve reliability.
- Standardized management: stand-ups, demos, and reporting for continuous visibility.
- Flexible scaling: ramp teams up or down to match roadmap timeframes without sacrificing quality.
- Outcomes-based commercial terms that tie contracts to measurable business value.
| Model | When to use | Primary benefit |
|---|---|---|
| Autonomous Squad | Scoped features or tactical fixes | Faster delivery, low integration risk |
| Application Ownership | Single product with clear lifecycle | End-to-end accountability |
| Portfolio Ownership | Multiple products needing coordination | Operational efficiency, unified roadmap |
Why Banks Choose Our Development Company
Institutions prefer partners that combine sector expertise, strong vendor ties, and a repeatable path from discovery to production. We bring that blend, aligning technical choices to measurable business outcomes so teams see faster time to value.
Deep Financial Services Expertise and Partner Ecosystem
We couple domain knowledge with a robust partner network, integrating vendors like Temenos, Fenergo, Murex, Finastra, and Adenza to reduce integration risk and speed delivery.
Quality-First Delivery with Lean, Agile, and DevOps
ScienceSoft contributes ISO 9001 quality-first practices and ISO 27001 security controls, while our teams apply Lean, Agile, and DevOps to cut defects and improve flow efficiency.
Scalable Strategies and Measurable Outcomes
We design strategies that map to availability, throughput, cost, and customer KPIs, and Intellias’s discovery-to-maintenance methods ensure results are tracked, proven, and transferable to your teams.
- Capabilities across cloud, data, integration, and digital channels.
- Operational resilience via observability, SRE, and automation.
- Clear governance, continuous testing, and knowledge transfer for long-term growth.
Proven Process to De-Risk Delivery
We align teams around tangible artifacts—feature sets, architecture, and test evidence—so progress is visible and auditable. This approach centers on clear gates and measurable outcomes that reduce risk and speed time to value.
Discovery and Roadmap
Discovery converts business intent into actionable requirements. We use Intellias’ D.R.E.A.M. framework to capture needs, assess systems, and surface risks, then sequence work by value.
- Prioritized roadmap with feature sets and integration plans.
- Documented architecture, non-functional requirements, and compliance pre-audits.
- Traceable requirements mapped to user stories and test strategies.
Execution and Integrations
We deliver in iterative sprints with CI and automated testing, integrating APIs and data flows while preserving live operations. Change management uses feature toggles, rollback plans, and controlled promotions to limit exposure.
Adjustment, Maintenance, and Support
We refine features with telemetry and user feedback, then transition to SLAs, runbooks, and support that sustain quality and uptime.
Clients receive full traceability—from requirements to test reports and compliance artifacts—so audits run smoothly, and we coach client teams to adopt process and management practices for lasting ownership.
Client Success Stories and Results
Real-world results—faster processing, higher uptime, and clearer ownership—define our client engagements. We partner with clients to turn strategy into measurable outcomes, aligning product, risk, and engineering around shared goals.
Cloud Migration to AWS for Higher Availability
Outcome: We migrated a bank serving over 2.5 million customers to AWS in 2.5 months, using automation and DevOps to raise availability and reduce operational risk.
Data Platform Redesign with Azure, Databricks, and Snowflake
Outcome: A financial solutions client moved to Databricks and Snowflake on Azure, accelerating data processing and improving data quality for faster business decisions.
Custom Mobile Banking at Scale for a Digital-First Bank
Outcome: We built a high-performance mobile banking application that enabled secure payments and transfers for a fully digital bank, supporting millions of users.
Core Platform Enhancements: Crypto, Crowdfunding, Contactless
Outcome: We expanded a Munich-based digital bank’s core platform with crypto trading, crowdfunding, and contactless payments while preserving compliance and performance.
- Faster time-to-market measured in weeks, not quarters, with auditable security baked into each release.
- Reduced operations toil through automation and observability, improving incident response and uptime.
- Knowledge transfer to client teams ensured sustainable ownership and cost-effective evolution post-launch.
| Project | Primary Benefit | Measured Result |
|---|---|---|
| AWS migration | Higher availability | 2.5M customers, 2.5 months |
| Data platform | Faster analytics | Databricks + Snowflake, improved quality |
| Mobile & core | New revenue & UX | Secure payments, crypto & contactless |
Explore more client success stories to see how we deliver predictable, measurable business impact.
Conclusion
We help you modernize platforms with a clear, measurable approach, reducing operational burden and accelerating business growth in regulated environments.
Intellias, ScienceSoft, and Luxoft validate our secure-by-design delivery and regulated-industry expertise, and our team aligns solutions to your needs so work is sequenced for quick wins and lasting value.
We tailor solution models to companies of any size, combining cloud, data, and AI to improve availability, throughput, and time to market while protecting customers and strengthening customer experience.
Partner with us to move from discovery to shipped software, with transparent reporting, strong governance, and flexible engagement—so your company meets business goals predictably and safely.
FAQ
What types of banking software solutions do we build?
We design and deliver a wide range of solutions, including online and mobile banking experiences, core platform modernization and integrations, loan origination and servicing automation, payments and ATM platforms, and CRM and customer data management, all tailored to a client’s operational needs and compliance requirements.
How do we ensure security and regulatory compliance?
We embed security and compliance by design, applying encryption, multi-factor authentication, identity and access controls, and hardened governance and reporting processes, while aligning implementations with standards such as PCI DSS, GDPR, PSD2, and KYC obligations to reduce risk and support audit readiness.
Can we modernize legacy systems and migrate to the cloud?
Yes, we execute cloud and legacy modernization programs, including migrations to AWS and Azure, rearchitecting for microservices and APIs, and adopting DevOps practices to increase resilience, lower operational cost, and speed time to market for new features.
How do we use AI and data platforms to improve performance?
We apply AI and real-time analytics to detect fraud, enhance credit scoring beyond traditional data, forecast risk and financials, and automate KYC and compliance workflows, while leveraging platforms like Databricks and Snowflake to build scalable, low-latency data pipelines that drive better business decisions and customer insights.
What engagement models are available to clients?
We offer flexible models to match organizational needs, including autonomous squads for carved-out scopes, application and portfolio ownership for long-term accountability, and dedicated teams or augmentation to scale skills rapidly alongside client staff.
How do we manage delivery risk and ensure quality?
Our proven process starts with discovery and roadmap definition, then moves through iterative execution and integrations with clear testing and CI/CD pipelines, followed by ongoing adjustment, maintenance, and support, all governed by lean, agile practices and measurable SLAs to ensure predictable outcomes.
What industries and institution sizes do we serve?
We partner with a broad range of financial organizations, from regional banks and credit unions to fintechs, asset managers, and payment providers, adapting solutions to each client’s scale, regulatory context, and customer experience goals.
How do we improve customer experience and retention?
By combining mobile-first design, personalized wealth and product recommendations, CRM-driven customer data management, and analytics-driven journey optimization, we help clients increase engagement, reduce churn, and drive higher lifetime value for their customers.
What is the typical timeline and cost structure for a project?
Timelines and costs vary by scope, complexity, and integration needs; we begin with a discovery phase to define requirements and deliver a roadmap and cost estimate, then propose an engagement model—fixed scope, time-and-materials, or outcome-based—aligned to the client’s budget and priorities.
How do we support ongoing operations after launch?
We provide maintenance, monitoring, incident response, and continuous improvement services, including performance tuning and regulatory updates, and can operate as an extension of a client’s team through managed services or capacity augmentation to ensure sustained reliability and value.