Digital product and solution development for banking

Modern banking platform engineering for the digital era

We help financial institutions modernise critical workflows, account opening, payments, compliance, lending, and customer engagement, while upgrading legacy systems and building API-driven architectures that support long-term growth.

From customer-centric mobile apps to real-time payment rails and core platform modernisation, we deliver solutions that improve efficiency, strengthen reliability, and accelerate digital transformation.

Get in touch Our work

XXImo

Making business travel simpler. XXImo created one, seamless solution for all mobility goals. As their technical partners, we helped them roll out a multitude of innovative features and functionalities – tailored for their clients. We are delighted that we have been a part of this significant journey.

Finance and banking

Howden Group

Howden is a global insurance and risk advisor. A home for 15,000 talented professionals in the fields of broking, risk management, underwriting, and reinsurance. Since joining forces in 2020, our collaboration spans across four distinct sectors. A unified vision. Common goals. Seamless synergy. Those are the pillars of our partnership.

Insurance

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Clan Informatik

Clan Informatik provides optimal support with highly efficient overall solutions for all aspects of pension provision. Our partnership with Clan Informatik thrives on trust and transparency. Turning big dreams into reality – together.

Insurance

Product discovery and design

We work with your teams to uncover opportunities and align digital banking initiatives with customer needs and regulatory demands. Through design sprints, UX research, and rapid prototyping, we create intuitive onboarding flows, lending journeys, and payment experiences that reduce drop-off and improve adoption.

Custom banking software development

From mobile-first apps to API-driven core systems, we build secure, scalable solutions that power digital account opening, real-time payments, loan origination, and embedded finance. Our delivery combines engineering excellence with strong financial services know-how, enabling faster time-to-market without compromising compliance or resilience.

Modernisation and integration

We help banks re-platform legacy systems, integrate third-party APIs (KYC, AML, payments), and ensure SEPA / PSD2 readiness. By digitalising critical workflows, policy engines, risk models, and payment rails, we eliminate bottlenecks, lower operating costs, and unlock scalability.

What we help banks achieve

Accelerated digital onboarding

Reduce application abandonment with intuitive, mobile-first account opening, KYC, and identity verification flows designed for speed, clarity, and regulatory alignment.

Modernised payments infrastructure

Streamline domestic and cross-border payments with API-first, real-time systems that improve straight-through processing and support SEPA and instant payment schemes.

Embedded finance enablement

Unlock new revenue streams by embedding banking capabilities into digital ecosystems – from payments and lending to white-label financial products.

Compliance-ready platforms

Build auditability, data privacy, and reporting into the architecture itself, supporting PSD2, SEPA, GDPR, and evolving regulatory requirements.

Data-driven personalisation

Leverage data and AI to deliver tailored offers, insights, and experiences that increase engagement and strengthen customer relationships.

How we optimised Rethink’s underwriting software for insurance with Salesforce

How we helped Qualica develop a universal digital banking platform

How we built Gilded – a robust trading platform that links gold to the blockchain

From six months to four weeks: We helped Howden supercharge processes

We modernised and enhanced pension management for CLAN INFORMATIK AG

Innovating the crypto industry with Satochip

We used Flutter to build a new app for XXImo

We co-created a unified track & trace unified platform

Building a new website for the Bank of Cyprus

Data Visualisation In Insurtech Case Study News (1)

How we enabled data visualization in InsurTech

How we co-created a winning SaaS platform for banks

Finance and banking Transportation and logistics

How we optimised the XXImo system to drive their global growth

How we helped a leading FinTech client supercharge user experience with a Salesforce solution

With UniCredit Bank Serbia, we built a new digital tool to streamline operational workflows

Vizual Za Landing Stranicu Za Whitepaper Embedded Finance HERO 2.2

Capitalising on the embedded finance revolution (2025 update)

Here's what you can expect to find in our whitepaper:

Executive summary
What embedded finance is and why you should pay attention
Embedded finance value chain explained
Embedded finance market opportunity
Entering the market - strategic and technical considerations
Managing shared risk and compliance in embedded finance ecosystems
Key takeaways

Transform your banking operations today

Speak with our experts to explore how modern engineering can improve performance, reduce operational friction, and accelerate your digital roadmap.

Nikola is passionate about delivering real and lasting client impact – through digital innovations that revolutionise what’s possible. He brings twenty years of experience in digital transformation for the world’s leading consultancies, including ThoughtWorks, BearingPoint, Accenture, Capco, and Atos.