4.9
Core banking systems
Account management, ledgers, transaction processing, interest and fee engines, and the foundational systems a financial institution runs on. Built from scratch or integrated with existing cores.
Banking Software Development Company
We build core banking systems, neobank platforms, and the full IT infrastructure that runs a modern financial institution — from customer onboarding and payments to compliance and operations. We built a global neobank’s entire technology ecosystem from scratch.
- Built a global neobank’s full IT ecosystem from the ground up
- 5+ year active banking partnership
- NDA before discovery
- No advance payments
- Free consultation
- Turnkey build + long-term support
Banking is a software business now
The difference between a bank that grows and one that stagnates is increasingly a difference in software. Customers no longer choose a bank for its branches — they choose it for the app, the speed of onboarding, the reliability of payments, and the quality of every digital interaction. The institutions winning today are the ones that treat their technology as the product, not as plumbing behind the counter.
Neobanks proved this. With no branches and no legacy, they compete entirely on software — onboarding in minutes, instant transfers, intuitive interfaces, and continuous feature delivery. Traditional banks are now racing to match that standard, modernizing decades-old core systems while neobanks scale on infrastructure built for it from day one.
Whichever side you’re on — launching a neobank from scratch or modernizing an established institution — the core challenge is the same: building banking technology that is secure, compliant across jurisdictions, reliable at scale, and fast enough to compete. That’s the work we do.
What we build
End-to-end banking technology, from core systems to customer-facing apps.
Neobank platforms
Complete digital banking ecosystems — the full stack a neobank needs to launch and operate, from customer apps to back-office, built to scale from launch.
Customer onboarding, KYC & AML
Digital onboarding that converts, with automated identity verification, document checks, sanctions screening, and compliance workflows adapted per jurisdiction.
Payments & transfers
Payment processing, domestic and cross-border transfers, card issuing and management, PSP and rail integrations, reconciliation, and fraud controls.
Customer-facing apps & portals
Mobile banking apps, web banking, and customer portals — the digital interfaces your customers judge you by. Our UnitBank concept won the DesignRush 2025 Best App Design Award.
Compliance, reporting & operations
Regulatory reporting, transaction monitoring, audit trails, internal operations dashboards, and the back-office systems that keep a regulated institution running.
Why financial institutions work with DigiNeat
We built a neobank from scratch — and still run it
We designed and built the entire IT ecosystem of a global digital-first neobank from the ground up: core systems, onboarding, KYC/AML, payments, customer apps, and operations. Five-plus years later, we still support and evolve it. We don’t have "banking experience" as a line item — we have a bank running on our code.
Built and yours
Everything we build belongs to you — code, data, architecture. For a regulated institution, control over your own technology isn’t a preference, it’s a requirement. No black boxes, no vendor lock-in on the systems we deliver, explicit IP transfer in every contract.
Compliance built in from architecture
Banking lives or dies on compliance. We design KYC/AML, regulatory reporting, audit trails, and data sovereignty into the architecture from day one — not bolted on before an audit. Multi-jurisdiction by experience.
Production-grade, because banking is unforgiving
A trading glitch loses a trade; a banking glitch loses customer money and triggers regulators. We engineer banking systems for the reliability, security, and auditability that financial institutions are held to.
Turnkey build, then long-term partnership
We build the platform, launch it, and stay. Banking systems need continuous evolution — new products, new regulations, new integrations, new scale. Our shortest ongoing client relationship is 5 years; our longest exceeds 18.
Featured engagement
Global Neobank
A multi-year engagement with a global digital-first neobank. We designed and built the bank’s entire IT ecosystem from the ground up, then transitioned into continuous support and evolution.
What we built and continue to operate:
- Core banking systems and ledgers
- Customer onboarding with KYC/AML across jurisdictions
- Payment processing and transfers
- Customer-facing applications
- Internal operations and admin systems
- Compliance and regulatory reporting
- Active partnership
- Fully confidential per client agreement
Pricing & engagement models
Banking projects are typically built turnkey, then supported long-term.
Turnkey Build
project-based
For building a platform or major system to a defined scope — a neobank launch, a core system, a customer app suite. Priced per project after discovery, structured around milestones. Larger banking builds scale into multi-million-dollar, multi-month engagements.
Ongoing Support & Evolution
from
$35,000
/month
After launch, banking systems need continuous development — new products, regulatory changes, integrations, scaling. Most banking clients transition into a long-term support partnership once the build phase completes.
Dedicated Team
from
$35,000
/month
For institutions that want a full-time team embedded from the start — senior backend, frontend, DevOps, security, and PM — building and operating as an extension of your organization.
All engagements include free consultation, written proposal, and NDA before discovery. No advance payments for Tier 1 country clients. Banking partnerships are long-term by nature — our shortest ongoing client relationship is 5 years, our longest exceeds 18.
Let's discuss your project
Tell us about your idea — we'll get back within one business day with initial thoughts, questions, and next steps.
Your request has been sent.
Our manager will contact you
shortly.
shortly.
What happens next
- Within one business day, a senior team member reviews your request and reaches out.
- We'll sign an NDA on request to protect your data.
- Get a customized proposal with pricing, timeline, and team.
- Free consultation, no obligation
- NDA signed before discovery on request
- No advance payments for Tier 1 clients
