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Back to Fin-Tech & Banking

Fin-Tech & Banking

Digital Banking Platform

Complete digital banking solution with account management, transactions, mobile banking, and regulatory compliance for financial institutions.

Complexity:Enterprise
Timeline:~32 weeks
digital bankingtransactionscompliancemobile banking
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About

Complete digital banking solution with account management, transactions, mobile banking, and regulatory compliance for financial institutions.

Features

1. Account Management

View balances, transaction history, and download statements.

2. Fund Transfers

Internal transfers, ACH, wires, and P2P payments.

3. Bill Pay

Pay bills online with scheduling, reminders, and payee management.

4. Mobile Deposit

Deposit checks by taking photos with automatic amount recognition.

5. Card Controls

Lock/unlock cards, set spending limits, and manage travel notices.

Technical Development

Core Banking Integration

  • Account APIs
    Real-time balance and transaction data from core banking systems
  • Payment Rails
    ACH, wire, and RTP integration with payment status tracking
  • Card Processing
    Debit card issuance, activation, and transaction authorization

Security & Compliance

  • Authentication
    MFA with biometrics, hardware tokens, and adaptive risk scoring
  • Fraud Detection
    Real-time transaction monitoring with ML-based anomaly detection
  • Regulatory Reporting
    Automated SAR, CTR, and OFAC screening with audit trails
1. Regulatory Compliance KYC/AML requirements PCI DSS standards 2. Core Banking Account management Transaction engine 3. Security Layer Encryption protocols Fraud detection 4. Launch & Scale Load testing Monitoring setup

Key Features

Everything you need for a powerful digital banking platform solution

Account Management

Multi-currency accounts with real-time balances

Fund Transfers

Instant transfers, ACH, and wire payments

Bill Payments

Schedule and automate recurring payments

Card Management

Virtual and physical card controls

Security Features

2FA, biometrics, and fraud detection

Spending Analytics

Categorized spending insights and budgets

Notifications

Real-time transaction alerts and updates

Regulatory Compliance

KYC, AML, and regulatory reporting

How much does it cost to build a Digital Banking Platform app?

Carefully assess all aspects of your project, including the resources required, estimated timeframes, potential costs, and expected outcomes, to ensure a comprehensive understanding of its scope and feasibility

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Technologies
TypescriptTypescriptNode.jsNode.jsPostgreSQLPostgreSQLRedisRedisSocket.ioSocket.io

Ready to build your digital banking platform?

Let's discuss your project requirements and create something great together.

Get in touchExplore Fin-Tech & Banking